Carolina Financial (CARO) 10-K 2 Mar 20 2019 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2019	Jun. 30, 2020	Feb. 19, 2020
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2019
Current Fiscal Year End Date	--12-31
Entity File Number	001-10897
Entity Registrant Name	Carolina Financial Corporation
Entity Central Index Key	0000870385
Entity Tax Identification Number	57-1039673
Entity Incorporation, State or Country Code	DE
Entity Address, Address Line One	288 Meeting Street
Entity Address, City or Town	Charleston
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29401
City Area Code	(843)
Local Phone Number	723-7700
Title of 12(b) Security	Common Stock, $0.01 par value per share
Trading Symbol	CARO
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float		$ 738,763,981
Entity Common Stock, Shares Outstanding			24,825,817

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 41,411	$ 28,857
Interest-bearing cash	91,792	33,276
Cash and cash equivalents	133,203	62,133
Securities available-for-sale (cost of $868,214 at December 31, 2019 and $844,461 at December 31, 2018)	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972
Loans receivable, net of allowance for loan losses of $16,521 at December 31, 2019 and $14,463 at December 31, 2018	3,211,416	2,509,873
Premises and equipment, net	70,702	60,866
Right of use operating lease asset	17,163
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure, net	2,325	1,534
Deferred tax assets, net	2,463	5,786
Mortgage servicing rights	25,941	32,933
Cash value life insurance	71,267	58,728
Core deposit intangible	16,621	16,462
Goodwill	184,259	127,592
Other assets	19,453	12,396
Total assets	4,708,873	3,790,748
Liabilities:
Noninterest-bearing deposits	668,616	547,022
Interest-bearing deposits	2,739,745	2,171,171
Total deposits	3,408,361	2,718,193
Short-term borrowed funds	437,700	405,500
Long-term debt	54,875	59,436
Right of use operating lease liability	17,593
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Reserve for mortgage repurchase losses	892	1,292
Dividends payable to stockholders	2,227	1,576
Accrued expenses and other liabilities	26,427	14,414
Total liabilities	3,965,433	3,215,463
Stockholders' equity:
Preferred stock, par value $.01; 1,000,000 shares authorized at December 31, 2019 and December 31, 2018; no shares issued or outstanding
Common stock, par value $.01; 50,000,000 shares authorized at December 31, 2019 and December 31, 2018, respectively; 24,777,608 and 22,387,009 issued and outstanding at December 31, 2019 and December 31, 2018, respectively	248	224
Additional paid-in capital	514,272	408,224
Retained earnings	221,103	167,173
Accumulated other comprehensive income (loss), net of tax	7,817	(336)
Total stockholders' equity	743,440	575,285
Total liabilities and stockholders' equity	$ 4,708,873	$ 3,790,748

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Securities available for sale at cost	$ 868,214	$ 844,461
Loans, allowance for loan losses	$ 16,521	$ 14,463
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	24,777,608	22,387,009
Common stock, shares outstanding	24,777,608	22,387,009

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest income
Loans	$ 147,921	$ 133,252	$ 79,300
Investment securities	27,424	26,222	14,941
Dividends from Federal Home Loan Bank stock	1,203	1,004	496
Other interest income	568	580	350
Total interest income	177,116	161,058	95,087
Interest expense
Deposits	27,106	18,727	9,387
Short-term borrowed funds	8,328	6,064	1,888
Long-term debt	2,432	2,457	1,978
Total interest expense	37,866	27,248	13,253
Net interest income	139,250	133,810	81,834
Provision for loan losses	2,580	2,059	779
Net interest income after provision for loan losses	136,670	131,751	81,055
Noninterest income
Mortgage banking income	19,326	15,295	15,140
Deposit service charges	6,814	7,755	4,643
Net loss on extinguishment of debt	(178)
Net gain (loss) on sale of securities	3,891	(1,946)	933
Fair value adjustments on interest rate swaps	(3,659)	(340)	382
Net increase in cash value life insurance	1,591	1,530	1,116
Mortgage loan servicing income	10,107	9,052	6,790
Debit card income, net	4,839	4,809	2,308
Other	4,379	3,741	2,604
Total noninterest income	47,110	39,896	33,916
Noninterest expense
Salaries and employee benefits	53,822	53,517	37,827
Occupancy and equipment	16,902	15,961	10,347
Marketing and public relations	1,614	1,330	1,417
FDIC insurance	502	1,090	721
Recovery of mortgage loan repurchase losses	(400)	(600)	(900)
Legal expense	438	422	507
Other real estate expense (income), net	422	(13)	54
Mortgage subservicing expense	2,872	2,468	1,986
Amortization of mortgage servicing rights	5,721	4,206	2,966
Impairment of mortgage servicing rights	3,100
Amortization of core deposit intangible	2,910	3,139	1,037
Merger related expenses	2,753	15,216	8,301
Other	12,436	12,472	9,182
Total noninterest expense	103,092	109,208	73,445
Income before income taxes	80,688	62,439	41,526
Income tax expense	17,948	12,769	12,961
Net income	$ 62,740	$ 49,670	$ 28,565
Earnings per common share:
Basic	$ 2.83	$ 2.28	$ 1.75
Diluted	2.80	2.26	1.73
Dividends declared per common share	$ 0.36	$ 0.25	$ 0.17
Weighted average common shares outstanding:
Basic	22,168,082	21,756,595	16,317,501
Diluted	22,385,127	21,972,857	16,550,357

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Statement [Abstract]
Net income	$ 62,740	$ 49,670	$ 28,565
Other comprehensive income (loss), net of tax:
Unrealized gains (losses) on securities	16,614	(7,775)	10,047
Tax effect	(4,154)	1,944	(3,620)
Reclassification adjustment for (gain) loss included in earnings	(3,891)	1,946	(933)
Tax effect	973	(489)	334
Unrealized (loss) gain on interest rate swaps designated as cash flow hedges	(1,852)	588	223
Tax effect	463	(147)	(80)
Other comprehensive income (loss), net of tax	8,153	(3,933)	5,971
Comprehensive income	$ 70,893	$ 45,737	$ 34,536

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Beginning Balance (in Shares) at Dec. 31, 2016	12,548,328
Beginning Balance at Dec. 31, 2016	$ 125	$ 66,156	$ 98,451	$ (1,542)	$ 163,190
Issuance of common stock, net of offering expenses	$ 18	47,653			47,671
Issuance of common stock, net of offering expenses (in Shares)	1,807,143
Stock awards, net of forfeitures	$ 1	107			108
Stock awards, net of forfeitures (in Shares)	113,768
Vested stock awards surrendered in cashless exercise		(398)	(1,391)		(1,789)
Vested stock awards surrendered in cashless exercise (in Shares)	(59,700)
Stock options exercised		10			10
Stock options exercised (in Shares)	600
Stock issued - Greer Bancshares, Inc. merger	$ 18	54,205			54,223
Stock issued - Greer Bancshares, Inc. merger	1,789,523
Stock issued - First South Bancorp, Inc. merger	$ 48	178,646			178,694
Stock issued - First South Bancorp, Inc. merger (in Shares)	4,822,540
Stock-based compensation expense, net		1,658			1,658
Net income			28,565		28,565
Dividends declared to stockholders			(2,920)		(2,920)
Other comprehensive income, net of tax				5,971	5,971
Reclassification of AOCI due to statutory tax rate change			832	(832)
Ending Balance (in Shares) at Dec. 31, 2017	21,022,202
Ending Balance at Dec. 31, 2017	$ 210	348,037	123,537	3,597	475,381
Stock repurchase plan, net of commissions
Issuance of common stock, net of offering expenses	$ 15	63,007			63,022
Issuance of common stock, net of offering expenses (in Shares)	1,500,000
Stock awards, net of forfeitures	$ 1	106			107
Stock awards, net of forfeitures (in Shares)	55,255
Vested stock awards surrendered in cashless exercise		(303)	(471)		(774)
Vested stock awards surrendered in cashless exercise (in Shares)	(22,411)
Stock options exercised		56			56
Stock options exercised (in Shares)	7,596
Stock-based compensation expense, net		2,700			2,700
Net income			49,670		49,670
Dividends declared to stockholders			(5,563)		(5,563)
Other comprehensive income, net of tax				(3,933)	(3,933)
Ending Balance (in Shares) at Dec. 31, 2018	22,387,009
Ending Balance at Dec. 31, 2018	$ 224	408,224	167,173	(336)	575,285
Stock repurchase plan, net of commissions	$ (2)	(5,379)			(5,381)
Stock repurchase plan, net of commissions (in Shares)	(175,633)
Issuance of common stock, net of offering expenses
Stock awards, net of forfeitures		124			124
Stock awards, net of forfeitures (in Shares)	58,656
Vested stock awards surrendered in cashless exercise		(707)	(789)		(1,496)
Vested stock awards surrendered in cashless exercise (in Shares)	(37,670)
Stock options exercised	$ 1	960			961
Stock options exercised (in Shares)	71,842
Stock-based compensation expense, net		3,143			3,143
Net income			62,740		62,740
Dividends declared to stockholders			(8,021)		(8,021)
Other comprehensive income, net of tax				8,153	8,153
Ending Balance (in Shares) at Dec. 31, 2019	24,777,608
Ending Balance at Dec. 31, 2019	$ 248	514,272	221,103	7,817	743,440
Stock repurchase plan, net of commissions	$ (2)	(7,113)			(7,115)
Stock repurchase plan, net of commissions (in Shares)	(214,772)
Stock issued - Carolina Trust BancShares, Inc. merger	$ 25	$ 109,641			$ 109,666
Stock issued - Carolina Trust Bancshares, Inc. merger (in Shares)	2,512,543

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 62,740	$ 49,670	$ 28,565
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses	2,580	2,059	779
Deferred income tax expense (benefit)	1,553	(1,530)	8,226
Amortization of unearned discount/premium on investments, net	4,250	4,595	3,856
Accretion of deferred loan fees	(2,656)	(2,386)	(1,279)
Accretion of acquired loans	(7,559)	(9,846)	(4,286)
Amortization of core deposit intangibles	2,910	3,139	1,037
(Gain) loss on sale of available-for-sale securities, net	(3,891)	1,946	(933)
Mortgage banking income	(19,326)	(15,295)	(15,140)
Originations of loans held for sale	(907,427)	(852,929)	(909,627)
Proceeds from sale of loans held for sale	912,443	886,544	922,431
Loss on extinguishment of debt	178
Recovery of mortgage loan repurchase losses	(400)	(600)	(900)
Mortgage repurchase loan losses paid, net of recoveries			(88)
Fair value adjustments on interest rate swaps	3,659	340	(382)
Stock-based compensation	3,143	2,700	1,658
Increase in cash surrender value of bank owned life insurance	(1,591)	(1,530)	(1,116)
Depreciation	4,359	4,181	2,756
Loss (gain) on disposals of premises and equipment	61	(2)	23
Loss (gain) on sale of real estate acquired through foreclosure	149	(110)	(33)
Write-down of real estate acquired through foreclosure		126
Purchases of mortgage servicing rights	(461)	(9,853)
Originations of mortgage servicing rights	(1,368)	(6,283)	(6,061)
Impairment of mortgage servicing rights	3,100
Amortization of mortgage servicing rights	5,721	4,206	2,966
Accrued interest receivable	389	(1,502)	(6,619)
Other assets	(5,865)	10,670	(29,271)
Increase (decrease) in:
Accrued interest payable	336	465	799
Dividends payable to stockholders	651	525	549
Accrued expenses and other liabilities	126	106	(6,588)
Cash flows provided by (used in) operating activities	57,784	69,406	(8,678)
Activity in available-for-sale securities:
Purchases	(250,572)	(351,329)	(345,815)
Maturities, payments and calls	125,305	105,005	77,781
Proceeds from sales	151,389	135,681	173,727
Increase in Federal Home Loan Bank stock	(117)	(2,631)	(6,400)
Increase in loans receivable, net	(214,221)	(192,852)	(182,467)
Purchases of premises and equipment	(5,703)	(3,724)	(7,002)
Proceeds from disposals of premises and equipment		10
Proceeds from sale of real estate acquired through foreclosure	1,065	1,840	660
Purchase of bank owned life insurance			(25)
Net cash received for acquisitions	72,285		122,320
Cash flows (used in) investing activities	(120,569)	(308,000)	(167,221)
Cash flows from financing activities:
Net increase in deposit accounts	152,355	113,264	83,230
Net (decrease) increase in Federal Home Loan Bank advances	(3,178)	52,177	100,772
Net (decrease) increase in drafts outstanding	(327)	805	1,101
Net (decrease) increase in advances from borrowers for insurance and taxes	(820)	1,095	1,947
Cash dividends paid on common stock	(8,021)	(5,563)	(2,371)
Proceeds from exercise of stock options	961	56	10
Proceeds from issuance of common stock		63,022	47,671
Cash paid for common stock repurchase	(7,115)	(5,381)
Net increase in excess tax benefit in connection with equity awards			439
Cash flows provided by financing activities	133,855	219,475	232,799
Net increase (decrease) in cash and cash equivalents	71,070	(19,119)	56,900
Cash and cash equivalents, beginning of period	62,133	81,252	24,352
Cash and cash equivalents, end of period	133,203	62,133	81,252
Supplemental disclosure:
Interest on deposits and borrowed funds	37,007	26,783	12,454
Income taxes paid, net of refunds	10,738	6,822	11,521
Noncash investing activities:
Transfer of loans receivable to real estate acquired through foreclosure	1,299	285	2,554
Acquisitions:
Assets acquired, net of cash	562,711		1,356,242
Liabilities assumed	572,161		1,345,119
Goodwill	$ 56,667		$ 123,325

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Organization Carolina Financial Corporation (“Carolina Financial” or the “Company”), incorporated under the laws of the State of Delaware, is a financial holding company with one wholly-owned subsidiary, CresCom Bank (the “Bank”). CresCom Bank operates Crescent Mortgage Company, Carolina Services Corporation of Charleston (“Carolina Services”), DTFS, Inc., CresCom Leasing, LLC and Western Carolina Holdings, LLC. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all material intercompany accounts and transactions have been eliminated. The results of operations of the businesses acquired in transactions accounted for as purchases are included only from the dates of acquisition. All majority-owned subsidiaries are consolidated unless control is temporary or does not rest with the Company. At December 31, 2019, statutory business trusts (“Trusts”) created or acquired by the Company had outstanding trust preferred securities with an aggregate par value of $ 36.0 37.1 1.1 On November 17, 2019, the Company announced the execution of an agreement and plan of merger by and between the Company and United Bankshares, Inc. (“United”), pursuant to which, subject to the terms and conditions set forth therein, the Company will merge with and into United, with United as the surviving corporation of the merger. Refer to Note 2 - Business Combinations for more information. Management's Estimates The financial statements are prepared in accordance with GAAP, which require management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, including valuation for impaired loans, the valuation of real estate acquired in connection with foreclosure or in satisfaction of loans, the valuation of securities, the valuation of derivative instruments, the valuation of assets acquired and liabilities assumed in business combinations, the valuation of mortgage servicing rights, the determination of the reserve for mortgage loan repurchase losses, asserted and unasserted legal claims and deferred tax assets or liabilities. In connection with the determination of the allowance for loan losses and foreclosed real estate, management obtains independent appraisals for significant properties. Management must also make estimates in determining the estimated useful lives and methods for depreciating premises and equipment. Management uses available information to recognize losses on loans and foreclosed real estate. However, future additions to the allowance may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for loan losses and foreclosed real estate. It is reasonably possible that the allowance for loan losses and valuation of foreclosed real estate may change materially in the near term. Subsequent Events Subsequent events are material events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the statement of financial condition but arose after that date. Management has reviewed events occurring through the date the financial statements were issued and no subsequent events were identified that required accrual or disclosure except as follows: On January 30, 2020, the Company’s Board of Directors declared a $ 0.10 Cash and Cash Equivalents Cash and cash equivalents consists of cash and due from banks and interest-bearing cash with banks. Substantially all of the interest-bearing cash at December 31, 2019 and 2018 consists of Federal Reserve Bank of Richmond (“FRB”) and Federal Home Loan Bank of Atlanta (“FHLB”) overnight deposits. Cash and cash equivalents have maturities of three months or less. The Bank is required to maintain average balances on hand or with the FRB. Cash on hand satisfied the reserve requirements at December 31, 2019 and December 31, 2018. Securities Investment securities are classified into three categories: (a) Held-to-Maturity – debt securities that the Company has positive intent and ability to hold to maturity, which are reported at amortized cost; (b) Trading – debt and equity securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (c) Available-for-Sale securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income. The Company determines the category of the investment at the time of purchase. If a security is transferred from available–for-sale to held-to-maturity, the fair value at the time of transfer becomes the held-to-maturity security’s new cost basis. Premiums and discounts on securities are accreted and amortized as an adjustment to interest yield over the estimated life of the security using a method which approximates a level yield. Dividends and interest income are recognized when earned. Unrealized losses on securities, reflecting a decline in value judged by the Company to be other-than-temporary, are charged to income in the consolidated statements of operations. The cost basis of securities sold is determined by specific identification. Purchases and sales of securities are recorded on a trade date basis. Loans Held for Sale The Company’s residential mortgage lending activities for sale in the secondary market are comprised of accepting residential mortgage loan applications, qualifying borrowers to standards established by investors, funding residential mortgage loans and selling mortgage loans to investors under pre-existing commitments. Loans held for sale are recorded at fair value. Origination fees and costs are recognized in earnings at the time of origination for loans held for sale that are recorded at fair value. Fair value is derived from observable current market prices, when available, and includes loan servicing value. When observable market prices are not available, the Company uses judgment and estimates fair value using internal models, in which the Company uses its best estimates of assumptions it believes would be used by market participants in estimating fair value. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as mortgage banking income in the consolidated statements of operations. The Company issues rate lock commitments to borrowers on prices quoted by secondary market investors. Derivatives related to these commitments are recorded as either assets or liabilities in the balance sheet and are measured at fair value. Changes in the fair value of the derivatives are reported in current earnings or other comprehensive income depending on the purpose for which the derivative is held and whether the derivative qualifies for hedge accounting. Derivative Financial Instruments Derivatives are recognized as either assets or liabilities and are recorded at fair value on the Company’s consolidated balance sheets. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and resulting designation. The Company’s hedging policies permit the use of various derivative financial instruments to manage interest rate risk or to hedge specified assets and liabilities. To qualify for hedge accounting, derivatives must be highly effective at reducing the risk associated with the exposure being hedged and must be designated as a hedge at the inception of the derivative contract. If derivative instruments are designated as fair value hedges, and such hedges are highly effective, both the change in the fair value of the hedge and the hedged item are included in current earnings. If derivative instruments are designated as cash flow hedges, fair value adjustments related to the effective portion are recorded in other comprehensive income and are reclassified to earnings when the hedged transaction is reflected in earnings. Ineffective portions of cash flow hedges are reflected in earnings as they occur. Actual cash receipts and/or payments and related accruals on derivatives related to hedges are recorded as adjustments to the interest income or interest expense associated with the hedged item. During the life of the hedge, the Company formally assesses whether derivatives designated as hedging instruments continue to be highly effective in offsetting changes in the fair value or cash flows of hedged items. If it is determined that a hedge has ceased to be highly effective, the Company will discontinue hedge accounting prospectively. At such time, previous adjustments to the carrying value of the hedged item are reversed into current earnings and the derivative instrument is reclassified to a trading position recorded at fair value. For derivatives not designated as hedges, changes in fair value are recognized in earnings, in noninterest income. For additional discussion related to the determination of fair value related to derivative instruments, see Note 5 - Derivatives. Loans Receivable, Net Loans that management has originated and has the intent and ability to hold for the foreseeable future are reported at their outstanding principal balances net of any unearned income, charge-offs, deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. The net amount of nonrefundable loan origination fees, commitment fees and certain direct costs associated with the lending process are deferred and amortized to interest income over the contractual lives of the loans using methods that approximate a level yield. Commercial loans and substantially all installment loans accrue interest on the unpaid balance of the loans. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or as a practical expedient, at the loan’s observable market price or the fair value of the collateral if the loan is collateral-dependent. When the fair value of the impaired loan is less than the recorded investment in the loan, the impairment is recorded through a specific reserve allocation that is a component of the allowance for loan losses. A loan is charged-off against the allowance for loan losses when all meaningful collection efforts have been exhausted and the loan is viewed as uncollectable in the immediate or foreseeable future. Acquired credit impaired loans are initially recorded at a discount to recognize the difference in the fair value of the loans and the contractual balance. The discount includes a component to recognize the absolute difference between the contractual value and the amount expected to be collected (total cash flow) as well as a component to recognize the net present value of that future amount to be collected. The net present value component is accretable into income and, therefore, generates a yield on all acquired credit impaired loans, regardless of past due status. Therefore, acquired credit impaired loans are considered to be accruing. Acquired credit impaired loans that are greater than 90 days past due are placed into the greater than 90 days past due and still accruing category when analyzing the aging status of the loan portfolio. See Note 6 – Loans Receivable, Net for further detail. Troubled Debt Restructurings ("TDRs") The Company designates loan modifications as TDRs when, for economic or legal reasons related to the borrower’s financial difficulties, it grants a concession to the borrower that it would not otherwise consider. Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of modification are initially classified as accruing TDRs at the date of modification, if the note is reasonably assured of repayment and performance is in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the modification date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accrual status when there is economic substance to the restructuring, there is well documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated repayment performance in accordance with the modified terms for a reasonable period of time, generally a minimum of six months. Nonperforming Assets Nonperforming assets include loans on which interest is not being accrued, accruing loans that are 90 days or more delinquent and foreclosed property. Foreclosed property consists of real estate and other assets acquired as a result of a borrower’s loan default. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction of principal when received. In general, a nonaccrual loan may be placed back onto accruing status once the borrower has made a minimum of six consecutive payments in accordance with the loan terms. Further, the borrower must show capacity to continue performing into the future prior to restoration of accrual status. Assets acquired as a result of foreclosure are initially recorded at fair value less estimated selling costs at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Gains and losses on the sale of assets acquired through foreclosure and related revenue and expenses of these assets are included in noninterest expense in other real estate expenses, net. Allowance for Loan Losses The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. These analyses involve a high degree of judgment in estimating the amount of loss associated with specific loans, including estimating the amount and timing of future cash flows and collateral values. Impaired loans are evaluated for impairment using the discounted cash flow methodology or based on the net realizable value of the underlying collateral. Impaired loans are individually reviewed on a quarterly basis to determine the level of impairment. Factors considered by management in determining impaired loans include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan has impairment, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. For collateral-dependent loans, the measurement of impairment is based on the net investment of the loan compared to the fair value of the collateral less estimated selling costs. In most cases, the fair value of the collateral is based on appraised value. When appropriate, the fair value is based on the probable sales price of the collateral when sale of the collateral is imminent or contracted sales price if the collateral is subject to a binding sales contract as of the end of the quarter. The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The Company considers the actual loss history experience over the trailing twenty quarters to determine the historical loss experience used in the general component. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries for the most recent twenty quarters; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. While management uses the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic conditions differ substantially from the assumptions used in making the valuations or, if required by regulators, based upon information available to them at the time of their examinations. Such adjustments to original estimates, as necessary, are made in the period in which these factors and other relevant considerations indicate that loss levels may vary from previous estimates. Business Combinations and Method of Accounting for Loans Acquired The Company accounts for its acquisitions under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 805, Business Combinations There are two methods to account for acquired loans as part of a business combination. Acquired loans that contain evidence of credit deterioration on the date of purchase are carried at the net present value of expected future proceeds in accordance with ASC 310-30. All other acquired loans are recorded at their initial fair value, adjusted for subsequent advances, pay downs, amortization or accretion of any premium or discount on purchase, charge-offs and any other adjustment to carrying value in accordance with ASC 310-20. In determining the Day 1 fair values of acquired loans without evidence of credit deterioration at the date of acquisition, management includes (i) no carryover of any previously recorded allowance for loan losses and (ii) an adjustment of the unpaid principal balance to reflect an appropriate market rate of interest, given the risk profile and grade assigned to each loan. This adjustment will be accreted into earnings as a yield adjustment, using the effective yield method, over the remaining life of each loan. To the extent that current information indicates it is probable that the Company will collect all amounts according to the contractual terms thereof, such loan is not considered impaired. To the extent that current information indicates it is probable that the Company will not be able to collect all amounts according to the contractual terms thereon, such loan is considered impaired and is considered in the determination of the required level of allowance for loan and lease losses. Subsequent to the acquisition date, increases in cash flows expected to be received on purchased credit impaired loans in excess of the Company’s initial estimates are reclassified from nonaccretable difference to accretable yield and are accreted into interest income on a level-yield basis over the remaining life of the loan. Decreases in cash flows expected to be collected are recognized as impairment through the provision for loan losses. Goodwill and Core Deposit Intangible Goodwill represents the excess of the purchase price over the fair value of the net identifiable assets acquired in a business combination. Goodwill is not amortized but instead is subject to review for impairment annually, or more frequently if deemed necessary. Also in connection with business combinations, the Company records core deposit intangibles, representing the value of the acquired core deposit base. Core deposit intangibles are amortized over their estimated useful lives ranging up to 10 Mortgage Servicing Rights, Fees and Costs The Company initially measures servicing assets and liabilities retained related to the sale of residential loans held for sale (“mortgage servicing rights”) at fair value, if practicable. For subsequent measurement purposes, the Company measures servicing assets and liabilities based on the lower of cost or market using the amortization method. Mortgage servicing rights are amortized in proportion to, and over the period of, estimated net servicing income. The amortization of the mortgage servicing rights is analyzed periodically and is adjusted to reflect changes in prepayment rates and other estimates. The Company evaluates potential impairment of mortgage servicing rights based on the difference between the carrying amount and current estimated fair value of the servicing rights. In determining impairment, the Company aggregates all servicing rights and stratifies them into tranches based on predominant risk characteristics. If impairment exists, a valuation allowance is established for any excess of amortized cost over the current estimated fair value by a charge to income. If the Company later determines that all or a portion of the impairment no longer exists for a particular tranche, a reduction of the allowance may be recorded as an increase to income. Service fee income is recorded for fees earned for servicing mortgage loans under servicing agreements with the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“FHLMC”), Government National Mortgage Association (“GNMA”) and certain private investors. The fees are based on a contractual percentage of the outstanding principal balance of the loans serviced and are recorded in noninterest income. Amortization of mortgage servicing rights and mortgage servicing costs are charged to expense when incurred. Guarantees Standby letters of credit obligate the Company to meet certain financial obligations of its customers, under the contractual terms of the agreement, if the customers are unable to do so. Payment is only guaranteed under these letters of credit upon the borrower’s failure to perform its obligations to the beneficiary. The Company can seek recovery of the amounts paid from the borrower; however, these standby letters of credit are generally not collateralized. Commitments under standby letters of credit are usually one year or less. At December 31, 2019 and 2018, the Company had recorded no liability for the current carrying amount of the obligation to perform as a guarantor; as such amounts are not considered material. Premises and Equipment, Net Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the asset’s estimated useful life. Estimated lives range up to forty years for buildings and improvements and up to ten years for furniture, fixtures and equipment. Maintenance and repairs are charged to expense as incurred. Improvements that extend the lives of the respective assets are capitalized. When property or equipment is sold or otherwise disposed of, the cost and related accumulated depreciation are removed from the respective accounts and the resulting gain or loss is reflected in income. Income Taxes The provision for income taxes is based upon income or loss before taxes for financial statement purposes, adjusted for nontaxable income and nondeductible expenses. Deferred income taxes have been provided when different accounting methods have been used in determining income for income tax purposes and for financial reporting purposes. Deferred tax assets and liabilities are recognized based on future tax consequences attributable to differences arising from the financial statement carrying values of assets and liabilities and their tax bases. In the event of changes in the tax laws, deferred tax assets and liabilities are adjusted in the period of the enactment of those changes, with the cumulative effects included in the current year’s income tax provision. Positions taken by the Company’s tax returns may be subject to challenge by the taxing authorities upon examination. The benefits of uncertain tax positions are initially recognized in the financial statements only when it is more likely than not the position will be sustained upon examination by the tax authorities. Such tax positions are both initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement with the tax authority, assuming full knowledge of the position and all relevant facts. The Company believes that its income tax filing positions taken or expected to be taken in its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company’s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain tax positions have been recorded. The Company’s federal income tax returns were not examined. Interest and penalties on income tax uncertainties are classified within income tax expense in the statement of operations. There were no significant interest and penalties paid on income tax uncertainties during 2019 or 2018. It is management’s belief that the realization of the remaining net deferred tax assets is more likely than not. Accordingly, no additional reserve was considered necessary. See Note 13 – Income Taxes for additional information. Drafts Outstanding The Company invests excess funds on deposit at other banks (including amounts on deposit for payment of outstanding disbursement checks) on a daily basis in an overnight interest-bearing account. Accordingly, outstanding checks are reported as a liability. Reserve for Mortgage Loan Repurchase Losses The Company sells mortgage loans to various third parties, including government-sponsored entities, under contractual provisions that include various representations and warranties that typically cover ownership of the loan, compliance with loan criteria set forth in the applicable agreement, validity of the lien securing the loan, absence of delinquent taxes or liens against the property securing the loan, and similar matters. The Company may be required to repurchase the mortgage loans with identified defects, indemnify the investor or insurer, or reimburse the investor for credit loss incurred on the loan (collectively “repurchase”) in the event of a material breach of such contractual representations or warranties. Risk associated with potential repurchases or other forms of settlement is managed through underwriting and quality assurance practices and by servicing mortgage loans to meet investor and secondary market standards. The Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management’s estimate of losses based on a combination of factors. Such factors incorporate estimated levels of defects on internal quality assurance, default expectations, historical investor repurchase demand and appeals success rates, reimbursement by correspondent and other third party originators, changes in the regulatory repurchase framework and projected loss severity. The Company establishes a reserve at the time loans are sold and quarterly updates the reserve estimate during the estimated loan life. The following table presents activity in the reserve for mortgage loan repurchase losses: For the Years Ended December 31, 2019 2018 2017 (In thousands) Beginning balance $ 1,292 1,892 2,880 Losses paid — — (88 ) Recovery of mortgage loan repurchase losses (400 ) (600 ) (900 ) Ending balance $ 892 1,292 1,892 Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Off-Balance-Sheet Financial Instruments In the ordinary course of business, the Company entered into off-balance-sheet financial instruments consisting of commitments to extend credit, commitments under revolving credit agreements, and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded. Stock Compensation Plans The Company can issue stock options, restricted stock, and restricted stock units under various plans to directors, officers and other key employees. The Company accounts for its stock compensation plans in accordance with ASC Topics 718 and 505. Under those provisions, the Company has adopted a fair value based method of accounting for employee stock compensation plans, whereby compensation cost is measured at the grant date based on the value of the award and is recognized on a straight-line basis over the service period, which is usually the vesting period, taking into account retirement eligibility. As a result, compensation expense relating to stock options and restricted stock is reflected in net income as part of “salaries and employee benefits” on the consolidated statements of operations. Earnings Per Common Share Basic earnings per share (“EPS”) represents income available to common stockholders divided by the weighted-average number of shares outstanding during the period. Diluted earnings per share reflects additional shares that would have been outstanding if dilutive potential shares had been issued. Potential shares that may be issued by the Company relate solely to outstanding stock options, restricted stock (non-vested shares), restricted stock units (“RSUs”) and warrants, and

BUSINESS COMBINATIONS

BUSINESS COMBINATIONS	12 Months Ended
	Dec. 31, 2019
Acquisitions:
BUSINESS COMBINATIONS	NOTE 2 – BUSINESS COMBINATIONS Acquisition of Carolina Trust BancShares, Inc. On December 31, 2019, the Company acquired all of the common stock of Carolina Trust BancShares, Inc., the holding company for Carolina Trust Bank. Under the terms of the merger agreement, each share of Carolina Trust common stock was converted into 0.300 shares of the Company’s common stock. The following table presents a summary of total consideration paid by the Company at the acquisition date Common stock issued ( 2,512,543 $ 108,617 Cash payments to common stockholders 9,836 Fair value of Carolina Trust stock options assumed 1,049 Total consideration paid $ 119,502 The assets acquired and liabilities assumed from Carolina Trust were recorded at their fair value as of the closing date of the merger. Fair values were preliminary and subject to refinement for up to one year after the closing date of the acquisition as additional information regarding the closing date fair values became available. Goodwill of $56.7 million was recorded at the time of the acquisition. The following table summarizes the consideration paid by the Company in the merger with Carolina Trust and the amounts of the assets acquired and liabilities assumed recognized at the acquisition date. Schedule of loans acquired at the Acquisition date December 31, 2019 As Reported by Fair Value As Recorded by (In thousands) Assets Cash and cash equivalents $ 72,285 — 72,285 Securities available-for-sale 50,234 — 50,234 Federal Home Loan Bank stock 1,467 — 1,467 Loans receivable 484,384 (3,398 )(a) 480,986 Allowance for loan losses (4,040 ) 4,040 (b) — Premises and equipment 8,378 175 (c) 8,553 Foreclosed assets 808 (75 )(d) 733 Core deposit intangible 2,314 756 (e) 3,070 Deferred tax asset, net 923 152 (f) 1,075 Other assets 22,301 (5,708 )(g) 16,593 Total assets acquired $ 639,054 (4,058 ) 634,996 Liabilities Deposits $ 536,106 1,706 (h) 537,812 Borrowings 30,036 426 (i) 30,462 Other liabilities 3,888 (1 )(j) 3,887 Total liabilities assumed $ 570,030 2,131 572,161 Net identifiable assets acquired over liabilities assumed 62,835 Total consideration paid 119,502 Goodwill $ 56,667 Explanation of fair value adjustments: (a) Represents the amount necessary to adjust loans to their fair value due to interest rate and credit factors. (b) Reflects the elimination of Carolina Trust's historical allowance for loan losses. (c) Reflects fair value adjustments on acquired branch and administrative offices based on the Company's assessment. (d) Reflects the impact of acquisition accounting fair value adjustments. (e) Reflects the fair value adjustment to record the estimated core deposit intangible based on the Company's assessment. (f) Reflects the tax impact of acquisition accounting fair value adjustments. (g) Reflects the elimination of Carolina Trust’s historical goodwill. (h) Represents the fair value adjustment due to interest rate factors. (i) Represents the fair value adjustment due to interest rate factors. (j) Reflects the fair value adjustment based on the Company's evaluation of acquired other liabilities. The table below summarizes the total contractually required principal and interest payments, management’s estimate of expected total cash payments and fair value of loans Contractual principal and interest at acquisition $ 29,408 Nonaccretable difference 3,901 Expected cash flows at acquisition 25,507 Accretable yield 3,040 Basis in PCI loans at acquisition - estimated fair value $ 22,467 Supplemental Pro Forma Information The Company completed its acquisition of Carolina Trust on December 31, 2019. The table below presents unaudited supplemental pro forma information as if Carolina Trust acquisition had occurred at the beginning of the earliest period presented, which was January 1, 2017 and were included for all periods presented. 2017 reflects pro forma results as if the First South and Greer acquisitions had occurred at January 1, 2017. Pro forma results include adjustments for amortization and accretion of fair value adjustments and do not include any projected cost savings or other anticipated benefits of the merger. Therefore, the pro forma financial information is not indicative of the results of operations that would have occurred had the transactions been effected on the assumed date. Pre-tax merger-related costs of $2.8 million, $15.2 million and $8.3 million for the years ended December 31, 2019, 2018 and 2017, respectively, are included in the Company’s Consolidated Statements of Operations and are not included in the pro forma statements below. Schedule of deposits acquired at the Acquisition date For the Years Ended 2019 2018 2017 (In thousands, except share data) Net interest income $ 159,952 $ 149,585 $ 138,345 Net income (a) $ 69,973 $ 53,907 $ 44,760 Weighted average shares outstanding: Basic (b) 24,673,741 23,479,256 21,981,940 Diluted (b) 24,890,786 23,720,011 22,237,072 Earnings per common share: Basic $ 2.84 $ 2.30 $ 2.04 Diluted $ 2.81 $ 2.27 $ 2.01 (a) Supplemental pro forma net income includes the impact of certain fair value adjustments. Supplemental pro forma net income does not include assumptions on cost saves or impact of merger related expenses. (b) Weighted average shares outstanding include the full effect of the common stock issued in connection with the Carolina Trust acquisition as of the earliest reporting date. The Company may refine its valuations of acquired Carolina Trust assets and liabilities for up to one year following the merger date. Pending Merger with and into United Bankshares, Inc. On November 17, 2019, the Company announced the execution of an agreement and plan of merger by and between the Company and United Bankshares, Inc., pursuant to which, subject to the terms and conditions set forth therein, the Company will merge with and into United, with United as the surviving corporation of the merger. The agreement provides that at the effective time of the merger, the Bank will merge with and into United Bank, a wholly-owned subsidiary of United Bank, with United Bank as the surviving entity. The transaction is subject to customary regulatory and shareholder approvals. Pursuant to the merger agreement, each outstanding share of common stock of Carolina Financial will be converted into the right to receive 1.13 shares of United common stock, par value $2.50 per share, resulting in an aggregate transaction value of approximately $1.1 billion, based on closing price of a share of United’s common stock as of that date.

CORE DEPOSIT INTANGIBLES

CORE DEPOSIT INTANGIBLES	12 Months Ended
	Dec. 31, 2019
CORE DEPOSIT INTANGIBLES	NOTE 3 - CORE DEPOSIT INTANGIBLES In connection with business combinations, the Company records core deposit intangibles, representing the value of the acquired core deposit base. As of December 31, 2019 and 2018, core deposit intangible was $16.6 million and $16.5 million, respectively. The estimated future amortization is subject to change to the extent management determines it is necessary to make adjustments to the carrying value or estimated useful life of the core deposit intangibles. Amortization expense (in thousands) for core deposit intangible is expected to be as follows Year 1 $ 3,263 Year 2 2,953 Year 3 2,659 Year 4 2,369 Year 5 2,054 Thereafter 3,323 Total $ 16,621 Amortization expense of $2.9 million, $3.1 million and $1.0 million related to the core deposit intangible was recognized in 2019, 2018 and 2017 respectively.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
SECURITIES	NOTE 4 - SECURITIES The amortized cost, gross unrealized gains, gross unrealized losses and fair value of investment securities available-for-sale At December 31, 2019 2018 Gross Gross Gross Gross Amortized Unrealized Unrealized Fair Amortized Unrealized Unrealized Fair Cost Gains Losses Value Cost Gains Losses Value (In thousands) Securities available-for-sale: Municipal securities $ 210,810 8,332 (174 ) 218,968 212,215 2,768 (1,269 ) 213,714 US government agencies 23,968 — (45 ) 23,923 24,772 505 — 25,277 Collateralized loan obligations 301,249 28 (1,295 ) 299,982 231,172 119 (592 ) 230,699 Corporate securities 6,940 48 — 6,988 6,915 69 (24 ) 6,960 Mortgage-backed securities: Agency 164,114 2,845 (245 ) 166,714 199,518 427 (2,425 ) 197,520 Non-agency 150,019 1,987 (64 ) 151,942 158,803 423 (1,695 ) 157,531 Total mortgage-backed securities 314,133 4,832 (309 ) 318,656 358,321 850 (4,120 ) 355,051 Trust preferred securities 11,114 1,518 (1,914 ) 10,718 11,066 1,713 (1,679 ) 11,100 Total $ 868,214 14,758 (3,737 ) 879,235 844,461 6,024 (7,684 ) 842,801 The amortized cost and fair value of debt securities by contractual maturity Amortized Fair Cost Value (In thousands) Securities available-for-sale: Less than one year $ 681 681 One to five years 22,199 22,295 Six to ten years 148,848 150,443 After ten years 696,486 705,816 Total $ 868,214 879,235 The contractual maturity dates of the securities were used for mortgage-backed securities and asset-backed securities. No estimates were made to anticipate principal repayments. The following table summarizes the gross realized gains and losses from sales of investment securities available-for-sale For the Years Ended December 31, 2019 2018 (In thousands) Proceeds $ 151,389 135,681 Realized gains 4,155 494 Realized losses (264 ) (2,440 ) Total investment securities gains (losses), net $ 3,891 (1,946 ) At December 31, 2019, the Company had pledged securities with a market value of $ 29.8 84.3 At December 31, 2019, the Company has pledged $ 141.6 165.5 The following tables summarize gross unrealized losses on investment securities and the fair market value of the related securities At December 31, 2019 Less than 12 Months 12 Months or Greater Total Amortized Fair Unrealized Amortized Fair Unrealized Amortized Fair Unrealized Cost Value Losses Cost Value Losses Cost Value Losses (In thousands) Available-for-sale: Municipal securities $ 20,895 20,721 (174 ) — — — 20,895 20,721 (174 ) US government agencies 10,000 9,955 (45 ) — — — 10,000 9,955 (45 ) Collateralized loan obligations 101,801 101,504 (297 ) 121,478 120,480 (998 ) 223,279 221,984 (1,295 ) Corporate securities — — — — — — — — — Mortgage-backed securities: Agency 1,947 1,946 (1 ) 28,198 27,954 (244 ) 30,145 29,900 (245 ) Non-agency 16,141 16,102 (39 ) 1,723 1,698 (25 ) 17,864 17,800 (64 ) Total mortgage-backed securities 18,088 18,048 (40 ) 29,921 29,652 (269 ) 48,009 47,700 (309 ) Trust preferred securities — — — 8,112 6,198 (1,914 ) 8,112 6,198 (1,914 ) Total $ 150,784 150,228 (556 ) 159,511 156,330 (3,181 ) 310,295 306,558 (3,737 ) At December 31, 2018 Less than 12 Months 12 Months or Greater Total Amortized Fair Unrealized Amortized Fair Unrealized Amortized Fair Unrealized Cost Value Losses Cost Value Losses Cost Value Losses (In thousands) Available-for-sale: Municipal securities $ 12,395 12,331 (64 ) 55,189 53,984 (1,205 ) 67,584 66,315 (1,269 ) US government agencies — — — — — — — — — Collateralized loan obligations 146,913 146,344 (569 ) 5,000 4,977 (23 ) 151,913 151,321 (592 ) Corporate securities 2,980 2,956 (24 ) — — — 2,980 2,956 (24 ) Mortgage-backed securities: Agency 14,615 14,450 (165 ) 120,325 118,065 (2,260 ) 134,940 132,515 (2,425 ) Non-agency 71,376 70,709 (667 ) 43,138 42,110 (1,028 ) 114,514 112,819 (1,695 ) Total mortgage-backed securities 85,991 85,159 (832 ) 163,463 160,175 (3,288 ) 249,454 245,334 (4,120 ) Trust preferred securities — — — 8,214 6,535 (1,679 ) 8,214 6,535 (1,679 ) Total $ 248,279 246,790 (1,489 ) 231,866 225,671 (6,195 ) 480,145 472,461 (7,684 ) The Company reviews its investment securities portfolio at least quarterly and more frequently when economic conditions warrant, assessing whether there is any indication of other-than-temporary impairment (“OTTI”). Factors considered in the review include estimated future cash flows, length of time and extent to which market value has been less than cost, the financial condition and near term prospect of the issuer, and our intent and ability to retain the security to allow for an anticipated recovery in market value. If the review determines that there is OTTI, then an impairment loss is recognized in earnings equal to the difference between the investment’s cost and its fair value at the balance sheet date of the reporting period for which the assessment is made, or a portion may be recognized in other comprehensive income. The fair value of investments on which OTTI is recognized then becomes the new cost basis of the investment. At December 31, 2019 and December 31, 2018, the Company had 79 214 At December 31, 2018 and December 31, 2017, the Company had 214 135 The following table presents detail of non-marketable investments At December 31, 2019 2018 (In thousands) Community Reinvestment Act fund $ 2,405 2,334 Investment in Trust Preferred subsidiaries 1,116 1,116 Other investments 3,521 3,450 Federal Home Loan Bank stock, at cost 23,280 21,696 Total non-marketable Investments $ 26,801 25,146 The Company, as a member of the FHLB, is required to own capital stock in the FHLB based generally upon a membership-based requirement and an activity-based requirement. FHLB capital stock is pledged to secure FHLB advances. No secondary market exists for this stock, and it has no quoted market price. However, redemption through the FHLB of this stock has historically been at par value. For additional information regarding the investments in statutory business trust, see Note 12 - Long-Term Debt.

DERIVATIVES

DERIVATIVES	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	NOTE 5 – DERIVATIVES In the ordinary course of business, the Company enters into various types of derivative transactions. For its related mortgage banking activities, the Company holds derivative instruments, which consist of rate lock agreements related to expected funding of fixed-rate mortgage loans to customers (interest rate lock commitments) and forward commitments to sell mortgage-backed securities and individual fixed-rate mortgage loans. The Company’s objective in obtaining the forward commitments is to mitigate the interest rate risk associated with the interest rate lock commitments and the mortgage loans that are held for sale. Derivative instruments not related to mortgage banking activities primarily relate to interest rate swap agreements. The derivative positions of the Company At December 31, 2019 2018 Fair Notional Fair Notional Value Value Value Value (In thousands) Derivative assets: Cash flow hedges: Interest rate swaps $ — — 1,232 45,000 Non-hedging derivatives: Interest rate swaps 138 35,000 1,198 50,000 Mortgage loan interest rate lock commitments 1,073 86,819 1,199 76,571 Mortgage loan forward sales commitments 580 26,240 403 13,241 Total derivative assets $ 1,791 148,059 4,032 184,812 Derivative liabilities: Cash flow hedges: Interest rate swaps $ 620 45,000 — — Non-hedging derivatives: Interest rate swaps 2,767 40,000 937 50,000 Mortgage-backed securities forward sales commitments 40 61,000 295 52,000 Total derivative liabilities $ 3,427 146,000 1,232 102,000 Non-Designated Hedges Derivative Loan Commitments and Forward Sales Commitments The Company enters into mortgage loan commitments that are also referred to as derivative loan commitments, if the loan that will result from exercise of the commitment will be held for sale upon funding. The Company enters into commitments to fund residential mortgage loans at specified rates and times in the future, with the intention that these loans will subsequently be sold in the secondary market. Outstanding derivative loan commitments expose the Company to the risk that the price of the loans arising from exercise of the loan commitment might decline from inception of the rate lock to funding of the loan due to increases in mortgage interest rates. If interest rates increase, the value of these loan commitments typically decreases. Conversely, if interest rates decrease, the value of these loan commitments typically increases. To protect against the price risk inherent in derivative loan commitments, the Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. With a “mandatory delivery” contract, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price on or before a specified date. If the Company fails to deliver the amount of mortgages necessary to fulfill the commitment by the specified date, it is obligated to pay a “pair-off” fee, based on then-current market prices, to the investor to compensate the investor for the shortfall. With a “best efforts” contract, the Company commits to deliver an individual mortgage loan of a specified principal amount and quality to an investor if the loan to the underlying borrower closes. Generally, the price the investor will pay the seller for an individual loan is specified prior to the loan being funded (e.g., on the same day the lender commits to lend funds to a potential borrower). The Company expects that these forward loan sale commitments will experience changes in fair value opposite to the change in fair value of derivative loan commitments. Derivatives related to these commitments are recorded as either a derivative asset or a derivative liability on the balance sheet and are measured at fair value. Both the interest rate lock commitments and the forward commitments are reported at fair value, with adjustments recorded in current period earnings in “mortgage banking income” within noninterest income in the consolidated statements of operations. Interest Rate Swaps The Company enters into interest rate swaps that do not meet the hedge accounting requirements and are recorded at fair value as a derivative asset or liability. Interest rate swaps that are not designated as hedges are primarily used to more closely match the interest rate characteristics of assets and liabilities and to mitigate the risks arising from timing mismatches between assets and liabilities including duration mismatches. Fair value changes are recognized in noninterest income as “fair value adjustments on interest rate swaps.” Cash Flow Hedges of Interest Rate Risk The Company’s objectives in using certain 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 uses interest rate swaps as part of its interest rate risk management strategy. 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 has entered into interest rate swaps to reduce the exposure to variability in interest-related cash outflows attributable to changes in forecasted LIBOR-based FHLB borrowings. These derivative instruments are designated as cash flow hedges. The hedged item is the LIBOR portion of the series of future adjustable rate borrowings over the term of the interest rate swap. Accordingly, changes to the amount of interest payment cash flows for the hedged transactions attributable to a change in credit risk are excluded from our assessment of hedge effectiveness. The Company tests for hedging effectiveness on a quarterly basis. The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in accumulated other comprehensive income and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings. The Company has not recorded any hedge ineffectiveness since inception. Risk Management Objective of Using Derivatives When using derivatives to hedge fair value and cash flow risks, the Company exposes itself to potential credit risk from the counterparty to the hedging instrument. This credit risk is normally a small percentage of the notional amount and fluctuates as interest rates change. The Company analyzes and approves credit risk for all potential derivative counterparties prior to execution of any derivative transaction. The Company seeks to minimize credit risk by dealing with highly rated counterparties and by obtaining collateralization for exposures above certain predetermined limits. If significant counterparty risk is determined, the Company would adjust the fair value of the derivative recorded asset balance to consider such risk.

LOANS RECEIVABLE, NET

LOANS RECEIVABLE, NET	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
LOANS RECEIVABLE, NET	NOTE 6 - LOANS RECEIVABLE, NET We emphasize a range of lending services, including commercial and residential real estate mortgage loans, real estate construction loans, commercial and industrial loans, commercial leases, and consumer loans. Our customers are generally individuals and small to medium-sized businesses and professional firms that are located in or conduct a substantial portion of their business in our market areas. We have focused our lending activities primarily on the professional market, including small business to medium-sized owners and commercial real estate developers. Certain credit risks are inherent in making loans. These include prepayment risks, risks resulting from uncertainties in the future value of collateral, risks resulting from changes in economic and industry conditions, and risks inherent in dealing with individual borrowers. We attempt to mitigate repayment risks by adhering to internal credit policies and procedures. These policies and procedures include officer and customer lending limits, with approval processes for larger loans, documentation examination, and follow-up procedures for any exceptions to credit policies. Our loan approval policies provide for various levels of officer lending authority. When the amount of aggregate loans to a single borrower exceeds the maximum senior officer’s lending authority, the loan request will be considered by the management loan committee, or MLC, which is comprised of five members, all of whom are part of the senior management team of the Bank. The MLC meets weekly to approve loans with total loan commitment relationships generally exceeding $2.5 million. The loan authority of the MLC is equal to two-thirds of the legal lending limit of the Bank which is equivalent to the in-house loan limit. Total credit exposure above the in-house limit requires approval by the majority of the board of directors. We do not make any loans to any director, executive officer of the Bank, or the related interests of each, unless the loan is approved by the full Board of Directors of the Bank and is on terms not more favorable than would be available to a person not affiliated with the Bank. The following is a description of the risk characteristics of the material loan portfolio segments: Residential Mortgage Loans and Home Equity Loans Commercial Real Estate Real Estate Construction and Development Loans. Commercial Loans. The Company’s primary markets are generally concentrated in real estate lending. However, in order to diversify our lending portfolio, the Company purchases nationally syndicated commercial and industrial loans. These loans typically have terms of seven years and are generally tied to a floating rate index such as LIBOR or prime. To effectively manage this line of business, the Company has an experienced senior lending executive who leads a team with relevant experience to manage this area of this segment of the loan portfolio. In addition, the Company engaged a consulting firm that specializes in syndicated loans to assist in monitoring performance analytics. Syndicated loans are grouped within commercial business loans below. The Bank originates leases, primarily on equipment utilized for business purposes, with terms that generally range from 12 to 60 months and include options to purchase the leased equipment at the end of the lease. Most leases provide 100% of the cost of the equipment and are secured by the leased equipment. The Company requires the leased equipment to be insured and that we be listed as a loss payee and named as an additional insured on the insurance policy. We manage credit risk associated with our lease financing loan class based upon the dollar amount of the lease and the level of credit risk. We follow a formal review process that entails analysis of the following factors: equipment value/residual value, exposure levels, jurisdiction risk, industry risk, guarantor requirements, and regulatory compliance. As of December 31, 2019 and December 31, 2018, there were approximatel y $16.8 million a Consumer Loans. Loans receivable At December 31, 2019 2018 % of Total % of Total All Loans: Amount Loans Amount Loans (Dollars in thousands) Loans secured by real estate: One-to-four family $ 785,572 24.34 % 732,717 29.03 % Home equity 110,016 3.41 % 83,770 3.32 % Commercial real estate 1,394,626 43.20 % 1,034,117 40.96 % Construction and development 442,657 13.71 % 290,494 11.51 % Consumer loans 26,500 0.82 % 23,845 0.94 % Commercial business loans 468,566 14.52 % 359,393 14.24 % Total gross loans receivable 3,227,937 100.00 % 2,524,336 100.00 % Less: Allowance for loan losses 16,521 14,463 Total loans receivable, net $ 3,211,416 2,509,873 Loans receivable, net at December 31, 2019 and 2018 for purchased non-credit impaired loans and nonacquired loans At December 31, 2019 2018 Purchased Non-Credit Impaired Loans % of Total % of Total (ASC 310-20) and Nonacquired Loans: Amount Loans Amount Loans (Dollars in thousands) Loans secured by real estate: One-to-four family $ 774,638 24.46 % 723,641 29.24 % Home equity 108,590 3.43 % 83,717 3.38 % Commercial real estate 1,364,052 43.08 % 1,004,420 40.59 % Construction and development 437,178 13.81 % 287,673 11.63 % Consumer loans 26,112 0.82 % 23,792 0.96 % Commercial business loans 456,112 14.40 % 351,194 14.20 % Total gross loans receivable 3,166,682 100.00 % 2,474,437 100.00 % Less: Allowance for loan losses 16,493 14,463 Total loans receivable, net $ 3,150,189 2,459,974 Loans receivable, net at December 31, 2019 and 2018 for purchased credit impaired loans are summarized by category as follows: At December 31, 2019 2018 Purchased Credit Impaired % of Total % of Total Loans (ASC 310-30): Amount Loans Amount Loans (Dollars in thousands) Loans secured by real estate: One-to-four family $ 10,934 17.85 % 9,077 18.19 % Home equity 1,426 2.34 % 53 0.11 % Commercial real estate 30,574 49.91 % 29,696 59.51 % Construction and development 5,479 8.94 % 2,821 5.65 % Consumer loans 388 0.63 % 53 0.11 % Commercial business loans 12,454 20.33 % 8,199 16.43 % Total gross loans receivable 61,255 100.00 % 49,899 100.00 % Less: Allowance for loan losses 28 — Total loans receivable, net $ 61,227 49,899 Included in the loan totals, net of purchase discount, were $989.5 million and $686.4 million in loans acquired through acquisitions at December 31, 2019 and December 31, 2018, respectively. At December 31, 2019 and December 31, 2018, the purchase discount on purchased non-credit impaired loans was $9.5 million and $10.9 million, respectively. No allowance for loan losses related to the acquired loans is recorded on the acquisition date because the fair value of the loans acquired incorporates assumptions regarding credit risk. There are two methods to account for acquired loans as part of a business combination. Acquired loans that contain evidence of credit deterioration on the date of purchase are carried at the net present value of expected future proceeds in accordance with ASC 310-30 and are considered purchased credit impaired (“PCI”) loans. All other acquired loans are recorded at their initial fair value, adjusted for subsequent advances, pay downs, amortization or accretion of any premium or discount on purchase, charge-offs and any other adjustment to carrying value in accordance with ASC 310-20. PCI loans are aggregated into pools of loans based on common risk characteristics such as the type of loan, payment status, or collateral type. The Company estimates the amount and timing of expected cash flows for each purchased loan pool and the expected cash flows in excess of the amount paid are recorded as interest income over the remaining life of the pool (accretable yield). The excess of the pool’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference). Over the life of the loan pool, expected cash flows continue to be estimated. If the present value of expected cash flows is less than the carrying amount, a loss is recorded. If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income. At December 31, 2019, the outstanding balance and recorded investment of PCI loans was $74.8 million and $61.3 million, respectively. At December 31, 2018, the outstanding balance and recorded investment of PCI loans was $63.7 million and $49.9 million, respectively, The table below presents changes in the value of PCI loans At December 31, 2019 2018 (In thousands) Balance at beginning of period $ 49,899 78,415 Fair value of acquired loans 22,467 — Net reductions for payments, foreclosures, and accretion (11,111 ) (28,516 ) Balance at end of period $ 61,255 49,899 The table below presents changes in the value of the accretable yield for PCI loans for the years ended December 31, 2019 and 2018. At December 31, 2019 2018 (In thousands) Accretable yield, beginning of period $ 19,908 12,536 Additions 3,040 — Accretion and interest income (6,174 ) (6,092 ) Reclassification from nonaccretable balance, net (a) 1,522 8,147 Other changes, net (b) 1,010 5,317 Accretable yield, end of period $ 19,306 19,908 (a) Reclassifications from the nonaccretable balance in the year ended December 31, 2019 were driven by improvement in credit quality. (b) Other changes, net include the impact of changes in expectations of cash flows, which may vary from period to period due to the impact of modifications and changes to prepayment assumptions, as well as the impact of changes in interest rates on variable rate loans. The composition of gross loans outstanding, net of undisbursed amounts, by rate type At December 31, 2019 2018 (Dollars in thousands) Variable rate loans $ 1,274,085 39.47 % 942,348 37.33 % Fixed rate loans 1,953,852 60.53 % 1,581,988 62.67 % Total loans outstanding $ 3,227,937 100.00 % 2,524,336 100.00 % The following table presents activity in the allowance for loan losses for the period indicated At December 31, 2019 Loans Secured by Real Estate One-to- Commercial Construction four Home real and Commercial family equity estate development Consumer business Unallocated Total (In thousands) Allowance for loan losses: Balance at January 1, 2019 $ 3,540 203 5,097 1,969 352 2,940 362 14,463 Provision for loan losses - non PCI loans 105 94 993 344 195 546 275 2,552 Provision for loan losses - PCI loans 5 — 1 — — 22 — 28 Charge-offs (293 ) (78 ) (380 ) (19 ) (320 ) (145 ) — (1,235 ) Recoveries 174 6 35 248 165 85 — 713 Balance at December 31, 2019 $ 3,531 225 5,746 2,542 392 3,448 637 16,521 At December 31, 2018 Loans Secured by Real Estate One-to- Commercial Construction four Home real and Commercial family equity estate development Consumer business Unallocated Total (In thousands) Balance at January 1, 2018 $ 2,719 168 3,986 1,201 79 2,840 485 11,478 Provision for loan losses 905 59 1,120 (320 ) 488 (70 ) (123 ) 2,059 Charge-offs (226 ) (31 ) (86 ) (24 ) (308 ) (197 ) — (872 ) Recoveries 142 7 77 1,112 93 367 — 1,798 Balance at December 31, 2018 $ 3,540 203 5,097 1,969 352 2,940 362 14,463 At December 31, 2017 Loans Secured by Real Estate One-to- Commercial Construction four Home real and Commercial family equity estate development Consumer business Unallocated Total (In thousands) Balance at January 1, 2017 $ 2,636 197 3,344 1,132 80 2,805 494 10,688 Provision for loan losses 332 (32 ) 611 (12 ) (27 ) (84 ) (9 ) 779 Charge-offs (253 ) — — — (19 ) — — (272 ) Recoveries 4 3 31 81 45 119 — 283 Balance at December 31, 2017 $ 2,719 168 3,986 1,201 79 2,840 485 11,478 The following table disaggregates our allowance for loan losses and recorded investment in loans by impairment methodology Loans Secured by Real Estate One-to- Commercial Construction four Home real and Commercial family equity estate development Consumer business Unallocated Total (In thousands) At December 31, 2019: Allowance for loan losses ending balances: Individually evaluated for impairment $ 109 — 2 438 — 259 — 808 Collectively evaluated for impairment 3,417 225 5,743 2,104 392 3,167 637 15,685 Purchased credit impaired 5 — 1 — — 22 — 28 Total allowance for loan losses $ 3,531 225 5,746 2,542 392 3,448 637 16,521 At December 31, 2019: Loans receivable ending balances: Individually evaluated for impairment $ 5,558 98 20,174 3,539 12 5,469 — 34,850 Collectively evaluated for impairment 769,080 108,492 1,343,878 433,639 26,100 450,643 — 3,131,832 Purchased credit impaired 10,934 1,426 30,574 5,479 388 12,454 — 61,255 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 — 3,227,937 At December 31, 2018: Allowance for loan losses ending balances: Individually evaluated for impairment $ 176 — 145 515 — 24 — 860 Collectively evaluated for impairment 3,364 203 4,952 1,454 352 2,916 362 13,603 Total allowance for loan losses $ 3,540 203 5,097 1,969 352 2,940 362 14,463 At December 31, 2018: Loans receivable ending balances: Individually evaluated for impairment $ 4,687 249 5,105 1,866 31 2,853 — 14,791 Collectively evaluated for impairment 718,953 83,468 999,316 285,807 23,761 348,341 — 2,459,646 Purchased credit impaired loans 9,077 53 29,696 2,821 53 8,199 — 49,899 Total loans receivable $ 732,717 83,770 1,034,117 290,494 23,845 359,393 — 2,524,336 The following table presents impaired loans individually evaluated for impairment in the segmented portfolio categories and the corresponding allowance for loan losses At and for the Year Ended December 31, 2019 Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) With no related allowance recorded: Loans secured by real estate: One-to-four family $ 4,928 4,989 — 3,916 105 Home equity 98 98 — 10 — Commercial real estate 18,837 19,028 — 7,881 1,414 Construction and development 2,047 2,047 — 690 56 Consumer loans 12 31 — 17 1 Commercial business loans 4,825 4,969 — 2,578 318 30,747 31,162 — 15,092 1,890 With an allowance recorded: Loans secured by real estate: One-to-four family 630 613 109 600 26 Home equity — — — — — Commercial real estate 1,337 1,337 2 1,363 76 Construction and development 1,492 1,492 438 1,297 5 Consumer loans — — — — — Commercial business loans 644 659 259 232 17 4,103 4,101 808 3,492 124 Total: Loans secured by real estate: One-to-four family 5,558 5,602 109 4,516 131 Home equity 98 98 — 10 — Commercial real estate 20,174 20,365 2 9,244 1,490 Construction and development 3,539 3,539 438 1,987 61 Consumer loans 12 31 — 17 1 Commercial business loans 5,469 5,628 259 2,810 335 $ 34,850 35,263 808 18,584 2,014 At and for the Year Ended December 31, 2018 Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) With no related allowance recorded: Loans secured by real estate: One-to-four family $ 3,083 3,241 — 1,904 46 Home equity 249 249 — 97 6 Commercial real estate 2,679 2,694 — 2,049 59 Construction and development 323 323 — 274 19 Consumer loans 31 31 — 24 1 Commercial business loans 2,697 2,698 — 983 152 9,062 9,236 — 5,331 283 With an allowance recorded: Loans secured by real estate: One-to-four family 1,604 1,665 176 1,261 43 Home equity — — — — — Commercial real estate 2,426 2,426 145 1,773 98 Construction and development 1,543 1,543 515 1,241 — Consumer loans — — — — — Commercial business loans 156 156 24 161 9 5,729 5,790 860 4,436 150 Total: Loans secured by real estate: One-to-four family 4,687 4,906 176 3,165 89 Home equity 249 249 — 97 6 Commercial real estate 5,105 5,120 145 3,822 157 Construction and development 1,866 1,866 515 1,515 19 Consumer loans 31 31 — 24 1 Commercial business loans 2,853 2,854 24 1,144 162 $ 14,791 15,026 860 9,767 434 At and for the Year Ended December 31, 2017 Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) With no related allowance recorded: Loans secured by real estate: One-to-four family $ 2,725 2,846 — 2,134 80 Home equity — — — — — Commercial real estate 3,370 3,370 — 3,355 111 Construction and development 318 318 — 202 17 Consumer loans 26 26 — 18 1 Commercial business loans 113 114 — 41 4 6,552 6,674 — 5,750 213 With an allowance recorded: Loans secured by real estate: One-to-four family 710 710 64 650 22 Home equity 108 108 29 108 — Commercial real estate 1,441 1,441 — 1,466 82 Construction and development — — — — — Consumer loans — — — — — Commercial business loans 172 172 16 188 10 2,431 2,431 109 2,412 114 Total: Loans secured by real estate: One-to-four family 3,435 3,556 64 2,784 102 Home equity 108 108 29 108 — Commercial real estate 4,811 4,811 — 4,821 193 Construction and development 318 318 — 202 17 Consumer loans 26 26 — 18 1 Commercial business loans 285 286 16 229 14 $ 8,983 9,105 109 8,162 327 The Company was not committed to advance additional funds in connection with impaired loans as of December 31, 2019, 2018 or 2017 . A loan is considered past due if the required principal and interest payment has not been received as of the due date. The following schedule is an aging of past due loans receivable by portfolio segment At December 31, 2019 Real Estate Loans One-to- Commercial Construction four Home real and Commercial All Loans: family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 569 352 6,952 215 145 174 8,407 60-89 days past due 1,783 141 642 425 99 502 3,592 90 days or more past due 2,858 98 9,348 1,176 10 239 13,729 Total past due 5,210 591 16,942 1,816 254 915 25,728 Current 780,362 109,425 1,377,684 440,841 26,246 467,651 3,202,209 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 3,227,937 At December 31, 2019 Purchased Non-Credit Real Estate Loans Impaired Loans One-to- Commercial Construction (ASC 310-20) and four Home real and Commercial Nonacquired Loans: family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 425 352 6,952 193 141 153 8,216 60-89 days past due 1,719 141 144 425 96 397 2,922 90 days or more past due 2,522 98 8,436 459 10 168 11,693 Total past due 4,747 591 15,532 1,077 247 718 22,912 Current 769,891 107,999 1,348,520 436,101 25,865 455,394 3,143,770 Total loans receivable $ 774,638 108,590 1,364,052 437,178 26,112 456,112 3,166,682 At December 31, 2019 Real Estate Loans One-to- Commercial Construction Purchased Credit Impaired four Home real and Commercial Loans (ASC 310-30): family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 144 — — 22 4 21 191 60-89 days past due 64 — 498 — 3 105 670 90 days or more past due 255 — 912 717 — 71 1,955 Total past due 463 — 1,410 739 7 197 2,816 Current 10,471 1,426 29,164 4,740 381 12,257 58,439 Total loans receivable $ 10,934 1,426 30,574 5,479 388 12,454 61,255 At December 31, 2018 Real Estate Loans One-to- Commercial Construction four Home real and Commercial All Loans: family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 503 723 1,780 180 296 793 4,275 60-89 days past due 1,677 213 120 588 31 632 3,261 90 days or more past due 4,133 373 3,054 105 117 602 8,384 Total past due 6,313 1,309 4,954 873 444 2,027 15,920 Current 726,404 82,461 1,029,163 289,621 23,401 357,366 2,508,416 Total loans receivable $ 732,717 83,770 1,034,117 290,494 23,845 359,393 2,524,336 At December 31, 2018 Purchased Non-Credit Real Estate Loans Impaired Loans One-to- Commercial Construction (ASC 310-20) and four Home real and Commercial Nonpurchased Loans: family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 378 720 1,037 172 296 793 3,396 60-89 days past due 1,313 213 120 559 31 632 2,868 90 days or more past due 3,686 373 2,895 106 117 602 7,779 Total past due 5,377 1,306 4,052 837 444 2,027 14,043 Current 718,264 82,411 1,000,368 286,836 23,348 349,167 2,460,394 Total loans receivable $ 723,641 83,717 1,004,420 287,673 23,792 351,194 2,474,437 At December 31, 2018 Real Estate Loans One-to- Commercial Construction Purchased Credit Impaired four Home real and Commercial Loans (ASC 310-30): family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 126 3 743 7 — — 879 60-89 days past due 364 — — 30 — — 394 90 days or more past due 447 — 158 — — — 605 Total past due 937 3 901 37 — — 1,878 Current 8,140 50 28,795 2,784 53 8,199 48,021 Total loans receivable $ 9,077 53 29,696 2,821 53 8,199 49,899 Loans are generally placed in nonaccrual status when the collection of principal and interest is 90 days or more past due, unless the obligation is both well-secured and in the process of collection. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest payments received while the loan is on nonaccrual are applied to the principal balance. No interest income was recognized on impaired loans subsequent to the nonaccrual status designation. A loan is returned to accrual status when the borrower makes consistent payments according to contractual terms and future payments are reasonably assured. The following is a schedule of non-PCI loans receivable, by portfolio segment, on nonaccrual At December 31, 2019 2018 (In thousands) Loans secured by real estate: One-to-four family $ 4,435 4,471 Home equity 98 454 Commercial real estate 15,783 3,663 Construction and development 3,270 1,675 Consumer loans 6 107 Commercial business loans 1,574 1,351 $ 25,166 11,721 There were no non-PCI loans past due 90 days and still accruing at December 31, 2019. There was one non-PCI loan past due 90 days and still accruing for approximately $20,000 at December 31, 2018. The Company uses several metrics as credit quality indicators of current or potential risks as part of the ongoing monitoring of credit quality of its loan portfolio. The credit quality indicators are periodically reviewed and updated on a case-by-case basis. The Company uses the following definitions for the internal risk rating grades, listed from the least risk to the highest risk. Pass: Special mention: Substandard: Doubtful: The Company uses the following definitions: Nonperforming: Performing: The following is a schedule of the credit quality of loans receivable, by portfolio segment At December 31, 2019 Real Estate Loans One-to- Commercial Construction four Home real and Commercial Total Loans: family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 776,545 108,512 1,361,058 434,486 26,015 455,756 3,162,372 Special Mention 1,865 1,334 11,445 4,122 266 7,720 26,752 Substandard 7,162 170 22,123 4,049 219 5,090 38,813 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 3,227,937 Performing $ 780,882 109,918 1,377,931 438,670 26,494 466,921 3,200,816 Nonperforming: 90 days past due still accruing 255 — 912 717 — 71 1,955 Nonaccrual 4,435 98 15,783 3,270 6 1,574 25,166 Total nonperforming 4,771 98 16,695 3,987 6 1,645 27,121 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 3,227,937 At December 31, 2019 Purchased Non-Credit Real Estate Loans Impaired Loans One-to- Commercial Construction (ASC 310-20) and four Home real and Commercial Nonacquired Loans: family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 770,068 108,492 1,345,054 432,475 25,996 447,327 3,129,412 Special Mention — — 2,601 1,432 102 4,241 8,376 Substandard 4,570 98 16,397 3,271 14 4,544 28,894 Total loans receivable $ 774,638 108,590 1,364,052 437,178 26,112 456,112 3,166,682 Performing $ 770,203 108,492 1,348,269 433,908 26,106 454,538 3,141,516 Nonperforming: 90 days past due still accruing — — — — — — — Nonaccrual 4,435 98 15,783 3,270 6 1,574 25,166 Total nonperforming 4,435 98 15,783 3,270 6 1,574 25,166 Total loans receivable $ 774,638 108,590 1,364,052 437,178 26,112 456,112 3,166,682 At December 31, 2019 Real Estate Loans One-to- Commercial Construction Purchased Credit Impaired four Home real and Commercial Loans (ASC 310-30): family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 6,477 20 16,004 2,011 19 8,429 32,960 Special Mention 1,865 1,334 8,844 2,690 164 3,479 18,376 Substandard 2,592 72 5,726 778 205 546 9,919 Total loans receivable $ 10,934 1,426 30,574 5,479 388 12,454 61,255 Performing $ 10,679 1,426 29,662 4,762 388 12,383 59,300 Nonperforming: 90 days past due still accruing 255 — 912 717 — 71 1,955 Nonaccrual — — — — — — — Total nonperforming 255 — 912 717 — 71 1,955 Total loans receivable $ 10,934 1,426 30,574 5,479 388 12,454 61,255 At December 31, 2018 Real Estate Loans One-to- Commercial Construction four Home real and Commercial Total Loans: family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 727,921 83,382 1,016,064 287,559 23,613 353,742 2,492,281 Special Mention 417 — 9,914 534 103 2,166 13,134 Substandard 4,379 388 8,139 2,401 129 3,485 18,921 Total loans receivable $ 732,717 83,770 1,034,117 290,494 23,845 359,393 2,524,336 Performing $ 727,799 83,316 1,030,296 288,819 23,718 358,042 2,511,990 Nonperforming: 90 days past due still accruing 447 — 158 — 20 — 625 Nonaccrual 4,471 454 3,663 1,675 107 1,351 11,721 Total nonperforming 4,918 454 3,821 1,675 127 1,351 12,346 Total loans receivable $ 732,717 83,770 1,034,117 290,494 23,845 359,393 2,524,336 At December 31, 2018 Purchased Non-Credit Real Estate Loans Impaired Loans One-to- Commercial Construction (ASC 310-20) and four Home real and Commercial Nonpurchased Loans: family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 720,177 83,336 995,319 285,927 23,571 346,487 2,454,817 Special Mention — — 5,524 71 103 1,379 7,077 Substandard 3,464 381 3,577 1,675 118 3,328 12,543 Total loans receivable $ 723,641 83,717 1,004,420 287,673 23,792 351,194 2,474,437 Performing $ 719,170 83,263 1,000,757 285,998 23,665 349,843 2,462,696 Nonperforming: 90 days past due still accruing — — — — 20 — 20 Nonaccrual 4,471 454 3,663 1,675 107 1,351 11,721 Total nonperforming 4,471 454 3,663 1,675 127 1,351 11,741 Total loans receivable $ 723,641 83,717 1,004,420 287,673 23,792 351,194 2,474,437 At December 31, 2018 Real Estate Loans One-to- Commercial Construction Purchased Credit Impaired four Home real and Commercial Loans (ASC 310-30): family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 7,745 45 20,745 1,632 42 7,255 37,464 Special Mention 418 — 4,390 463 — 787 6,058 Substandard 914 8 4,561 726 11 157 6,377 Total loans receivable $ 9,077 53 29,696 2,821 53 8,199 49,899 Performing $ 8,630 53 29,538 2,821 53 8,199 49,294 Nonperforming: 90 days past due still accruing 447 — 158 — — — 605 Nonaccrual — — — — — — — Total nonperforming 447 — 158 — — — 605 Total loans receivable $ 9,077 53 29,696 2,821 53 8,199 49,899 Activity in loans to officers, directors and other related parties for the years ended December 31, 2019 and 2018 is summarized as follows: At December 31, 2019 2018 (In thousands) Balance at beginning of year $ 17,691 12,902 New loans 10,435 16,363 Repayments (9,027 ) (11,574 ) Balance at end of year $ 19,099 17,691 In management’s opinion, related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with an unrelated person and generally do not involve more than the normal risk of collectability. Loans serviced for the benefit of others under loan participation arrangements amounted to $ 28.4 37.1 Troubled Debt Restructurings At December 31, 2019, there were $ 11.1 4.5 6.4 3.3 There was one one five five 7.0 There was one one 1.7 Four commercial real estate loans restructured in the twelve months prior to December 31, 2019 totaling $1.9 million in principal went into default during the twelve months ended December 31, 2019. No loans previously restructured in the twelve months prior to December 31, 2018 went into default during the twelve month period ended December 31, 2018.

PREMISES AND EQUIPMENT, NET

PREMISES AND EQUIPMENT, NET - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
PREMISES AND EQUIPMENT, NET	NOTE 7 - PREMISES AND EQUIPMENT, NET Premises and equipment At December 31, 2019 2018 (In thousands) Land $ 19,166 15,093 Buildings 40,380 34,213 Furniture, fixtures and equipment 32,986 29,674 Construction in process 744 638 Total premises and equipment 93,276 79,618 Less: accumulated depreciation (22,574 ) (18,752 ) Premises and equipment, net $ 70,702 60,866 Depreciation expense included in operating expenses for the years ended December 31, 2019, 2018, and 2017 amounted to $ 4.4 4.2 2.8
Total premises and equipment	$ 93,276	$ 79,618
Less: accumulated depreciation	(22,574)	(18,752)
Premises and equipment, net	70,702	60,866
Land [Member]
Property, Plant and Equipment [Line Items]
Total premises and equipment	19,166	15,093
Building [Member]
Property, Plant and Equipment [Line Items]
Total premises and equipment	40,380	34,213
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Total premises and equipment	32,986	29,674
Construction in Progress [Member]
Property, Plant and Equipment [Line Items]
Total premises and equipment	$ 744	$ 638

REAL ESTATE ACQUIRED THROUGH FO

REAL ESTATE ACQUIRED THROUGH FORECLOSURE	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
REAL ESTATE ACQUIRED THROUGH FORECLOSURE	NOTE 8 – REAL ESTATE ACQUIRED THROUGH FORECLOSURE The following presents summarized activity in real estate acquired through foreclosure At December 31, 2019 2018 (In thousands) Balance at beginning of period $ 1,534 3,106 Additions 1,299 285 Acquisitions 733 — Sales and Paydowns (1,241 ) (1,731 ) Write downs — (126 ) Balance at end of period $ 2,325 1,534 A summary of the composition of real estate acquired through foreclosure At December 31, 2019 2018 (In thousands) Real estate owned: One-to-four family $ 755 204 Commercial real estate 784 — Construction and development 786 1,330 Total real estate owned $ 2,325 1,534 As of December 31, 2019, the Company had approximately $ 11.3

MORTGAGE SERVICING RIGHTS

MORTGAGE SERVICING RIGHTS	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
MORTGAGE SERVICING RIGHTS	NOTE 9 – MORTGAGE SERVICING RIGHTS Mortgage loans serviced for others are not included in the accompanying Consolidated Balance Sheets. The value of mortgage servicing rights (“MSRs”) is included on the Company’s Consolidated Balance Sheets. The unpaid principal balances of loans serviced for others were $ 3.6 4.0 The midpoint economic estimated fair value range of the mortgage servicing rights was $ 31.4 40.9 The estimated fair value of servicing rights at December 31, 2019 was determined using a net servicing fee of 0.25% 10% 12% 10% 12% 1.87% The estimated fair value of servicing rights at December 31, 2018 was determined using a net servicing fee of 0.25% 12% 13% 6% 7% 2.34% The following summarizes the activity in mortgage servicing rights, along with the aggregate activity in the related valuation allowances At December 31, 2019 2018 (In thousands) MSR beginning balance $ 32,933 21,003 Amount capitalized 1,368 6,283 Purchased servicing 461 9,853 Amount amortized (5,721 ) (4,206 ) MSR Impairment (3,100 ) — MSR ending balance $ 25,941 32,933 For the Years Ended December 31, 2019 2018 (In thousands) MSR valuation allowance beginning balance $ — — Increase (reduction) 3,100 — MSR valuation allowance ending balance $ 3,100 — The Company recorded a $3.1 million temporary impairment of mortgage servicing rights during the year ended December 31, 2019. The Company does not hedge the mortgage servicing rights positions and the impact of falling long-term interest rates increased prepayment speed assumptions reducing the value of the MSR asset. There was no valuation allowance related to the fair value of mortgage servicing rights for the year ended December 31, 2018. Estimated amortization expense is presented below for the following subsequent years ended (in thousands): Year 1 $ 5,580 Year 2 4,164 Year 3 3,905 Year 4 3,554 Year 5 3,259 Thereafter 5,479 Total $ 25,941 The estimated amortization expense is based on current information regarding future loan payments and prepayments. Amortization expense could change in future periods based on changes in the volume of prepayments and economic factors. At December 31, 2019 and 2018, servicing related impound funds of approximately $ 43.0 41.5 At December 31, 2019 and 2018, the Company had a blanket bond coverage of $10 million and an errors and omissions coverage of $10 million.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
DEPOSITS	NOTE 10 - DEPOSITS Deposits outstanding by type of account At December 31, 2019 2018 (In thousands) Noninterest-bearing demand accounts $ 668,616 547,022 Interest-bearing demand accounts 651,577 566,527 Savings accounts 218,786 192,322 Money market accounts 590,916 431,246 Certificates of deposit: Less than $250,000 1,159,978 875,749 $250,000 or more 118,488 105,327 Total certificates of deposit 1,278,466 981,076 Total deposits $ 3,408,361 2,718,193 The aggregate amount of brokered certificates of deposit was $ 186.3 174.1 92.6 39.4 The amounts and scheduled maturities of certificates of deposit At December 31, 2019 2018 (In thousands) Maturing within one year $ 963,450 684,031 Maturing one through three years 256,335 254,180 Maturing after three years 58,681 42,865 Total certificates of deposit $ 1,278,466 981,076

SHORT-TERM BORROWED FUNDS

SHORT-TERM BORROWED FUNDS	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
SHORT-TERM BORROWED FUNDS	NOTE 11 – SHORT-TERM BORROWED FUNDS Short-term borrowed funds At December 31, 2019 2018 Stated Interest Stated Interest Balance Rate Balance Rate (Dollars in thousands) Short-term FHLB advances $ 437,700 1.66% 2.02% 405,500 1.05% 2.78% Total short-term borrowed funds $ 437,700 405,500 Lines of credit with the FHLB of Atlanta are based upon FHLB-approved percentages of Bank assets, but must be supported by appropriate collateral to be available. The Company has pledged first lien residential mortgage, third lien residential mortgage, residential home equity line of credit, commercial mortgage and multifamily mortgage portfolios under blanket lien agreements. At December 31, 2019, the Company had FHLB advances of $ 449.8 416.1 At December 31, 2018, the Company had FHLB advances of $ 432.5 305.1 Lines of credit with the FRB are based on collateral pledged. At December 31, 2019, the Company had lines available with the FRB for $ 188.3 226.3

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
LONG-TERM DEBT	NOTE 12 – LONG-TERM DEBT Long-term debt December 31, 2019 Stated Interest Balance Rate (Dollars in thousands) Long-term FHLB advances, due through 2028 $ 12,114 0.88% 2.39% Subordinated debentures, due 2026 through 2037 42,761 3.67% 6.90% Total long-term debt $ 54,875 December 31, 2018 Stated Interest Balance Rate (Dollars in thousands) Long-term FHLB advances, due through 2020 $ 27,000 1.72%-2.60% Subordinated debentures, due 2032 through 2037 32,436 4.25%-5.75% Total long-term debt $ 59,436 The following table presents the scheduled repayments of long-term debt 2020 — 2021 2,000 2022 6,038 2023 — 2024 — Thereafter 46,837 Total $ 54,875 As of December 31, 2019, there was $4 million of principal amounts callable by the FHLB on advances. At December 31, 2019, statutory business trusts (“Trusts”) created by the Company or acquired had outstanding trust preferred securities with an aggregate par value of $ 36.0 31.9 3.67% 6.90% 1.1 The trust preferred securities, the assets of the Trusts and the common securities issued by the Trusts are redeemable in whole or in part beginning on or after December 31, 2008, or at any time in whole but not in part from the date of issuance on the occurrence of certain events. The obligations of the Company with respect to the issuance of the trust preferred securities constitutes a full and unconditional guarantee by the Company of the Trusts’ obligations with respect to the trust preferred securities. Subject to certain exceptions and limitations, the Company may elect from time to time to defer subordinated debenture interest payments, which would result in a deferral of distribution payments on the related trust preferred securities.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE 13 - INCOME TAXES The 2017 Tax and Cuts Jobs Act (“2017 Tax Act”) was signed into law by the President on December 22, 2017. The 2017 Tax Act reduced the corporate Federal tax rate from 35% to 21% effective January 1, 2018. Income tax expense for 2017 includes a revaluation of net deferred tax assets in the amount of $239,000, recorded as a result of the enactment of the 2017 Tax Act. Income tax expense For the Years Ended December 31, 2019 2018 2017 (In thousands) Current income tax expense Federal $ 14,375 12,114 3,764 State 2,020 2,185 971 16,395 14,299 4,735 Deferred income tax expense (benefit) Federal 1,141 (1,219 ) 7,792 State 412 (311 ) 195 Deferred tax revaluation related to the 2017 Tax Act — — 239 1,553 (1,530 ) 8,226 Total income tax expense $ 17,948 12,769 12,961 A reconciliation from expected Federal tax expense to actual income tax expense 21% 21% 35% For the Years Ended December 31, 2019 2018 2017 (In thousands) Computed federal income taxes $ 16,944 13,112 14,534 State income tax, net of federal benefit 2,090 1,674 758 Tax exempt interest (1,195 ) (1,378 ) (1,667 ) Stock based compensation (77 ) (331 ) (1,514 ) Deferred tax revaluation related to the 2017 Tax Act — — 239 Other, net 186 (308 ) 611 Total income tax expense $ 17,948 12,769 12,961 The FASB issued guidance to simplify several aspects of the accounting for share-based payment award transactions, including income tax consequences. In addition to other changes, the guidance changes the accounting for excess tax benefits and tax deficiencies from generally being recognized in additional paid-in capital to recognition as income tax expense or benefit in the period they occur. The Company early adopted the new guidance in the second quarter of 2016. A tax benefit of $0.1 million, $0.3 million and $1.5 million was recorded during the years ended December 31, 2019, 2018 and 2017, respectively, as a result of share awards vesting/exercised. The following is a summary of the tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities At December 31, 2019 2018 (In thousands) Deferred tax assets: Loan loss reserve $ 8,322 8,808 Unrealized loss on available-for-sale securities — 109 Net operating loss and credit carryforwards 1,813 2,943 Stock based compensation 1,080 808 Other 2,482 823 13,697 13,491 Valuation allowance (436 ) (618 ) Total gross deferred tax assets 13,261 12,873 Deferred tax liabilities: Depreciation (4,741 ) (3,393 ) Core deposit intangible (3,013 ) (2,932 ) Goodwill (295 ) (240 ) Transaction costs — — Unrealized gain on securities available-for-sale (2,763 ) — Other 14 (522 ) Total gross deferred tax liabilities (10,798 ) (7,087 ) Deferred tax assets, net $ 2,463 5,786 Deferred tax assets are recognized for future deductible amounts resulting from differences in the financial statement and tax bases of assets and liabilities and operating loss carry forwards. A valuation allowance is then established to reduce that deferred tax asset to the level that it is “more likely than not” that the tax benefit will be realized. The realization of a deferred tax benefit by the Company depends upon having sufficient taxable income of an appropriate character in the future periods. A portion of the annual change in the net deferred income tax asset relates to unrealized gains and losses on debt securities and interest rate swaps. The deferred income tax expense (benefit) related to the unrealized gains and losses on debt securities and interest rate swaps of $2.7 million and ($1.8) million for the years ended December 31, 2019 and 2018, respectively, was recorded directly to stockholders’ equity as a component of accumulated other comprehensive income. The balance of the change in the net deferred tax asset of $0.6 million and ($1.5) million for the years ended December 31, 2019 and 2018, respectively, are reflected in the Consolidated Statement of Operations. The valuation allowances relate to state net operating loss and tax credit carry-forwards. It is management’s belief that the realization of the remaining net deferred tax assets is more likely than not. Tax returns for 2016 and subsequent years are subject to examination by taxing authorities. The Company has analyzed the tax positions taken or expected to be taken on its tax returns and concluded it has no liability related to uncertain tax positions in accordance with ASC Topic 740. The Company has federal net operating losses of $4.0 million and $2.5 million at December 31, 2019 and 2018, respectively. These net operating losses expire at various times beginning in the year of 2028. The Company has state net operating losses of $7.2 million and $10.4 million at December 31, 2019 and 2018, respectively. These net operating losses expire at various times beginning in the year 2028. The Company has AMT credits of $0.4 million and $1.4 million at December 31, 2019 and 2018, respectively. As a result of the Carolina Trust BancShares ownership changes in 2019, the Greer Bancshares and First South Bancorp ownership changes in 2017 and the Congaree Bancshares ownership change in 2016, Section 382 of the Internal Revenue Code places an annual limitation on the amount of federal net operating loss carry-forwards and credit carryforwards which the Company may utilize. The Company expects all Section 382 limited carry-forwards to be realized within the applicable carry-forward periods.

COMMITMENTS AND CONTINGENCIES I

COMMITMENTS AND CONTINGENCIES INCLUDING LEASES	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES INCLUDING LEASES	NOTE 14 - COMMITMENTS AND CONTINGENCIES INCLUDING LEASES The Company has entered into agreements to lease certain office facilities, including buildings and land, and equipment under non-cancellable operating lease agreements. Our leases have remaining lease terms of 1 year to 40 years, which include options to extend or terminate the lease. These options to extend or terminate the lease are included in the lease term when it is reasonably certain that the options will be exercised. In addition to the package of practical expedients, the Company has also elected the practical expedient which allows lessees to make an accounting policy election by underlying class of asset to not separate nonlease components from the associated lease component, and instead account for them all together as part of the applicable lease component. Operating lease expense was $2.7 million for the year ended December 31, 2019. Cash paid for amounts included in the measurement of operating lease liabilities was $2.5 million for the year ended December 31, 2019. We do not apply the recognition requirements of ASC 842 to short-term leases and recognize the lease payments on a straight-line basis over the lease term. The rate implicit in the lease is not readily determinable for the Company’s leases. Accordingly, the incremental borrowing rate, giving consideration to the FHLB borrowing rate, is based on the information available at commencement date and is used to determine the present value of lease payments. Supplemental balance sheet information related to operating leases follows: At December 31, Right of use operating lease asset (in millions) $ 17.2 Right of use operating lease liability (in millions) $ 17.6 Weighted average remaining lease term (years) 15.0 Weighted average discount rate 3.4 % Future minimum lease payments (in thousands), by year and in the aggregate, under non-cancellable operating leases with initial or remaining terms in excess of one year as of December 31, 2019 are as follows: Year 1 $ 2,595 Year 2 2,136 Year 3 1,977 Year 4 1,860 Year 5 1,591 After Year 5 12,881 Total undiscounted payments 23,040 Less: imputed interest (5,447 ) Present value of lease payments (ROU operating lease liability) $ 17,593 Future minimum lease payments (in thousands), by year and in the aggregate, under non-cancellable operating leases with initial or remaining terms in excess of one year as of December 31, 2018 were as follows: Year 1 $ 2,537 Year 2 2,332 Year 3 1,950 Year 4 1,868 Year 5 1,738 After Year 5 14,165 Total $ 24,590 The Company’s rental expense for its office facilities for the years ended December 31, 2018 and 2017 totaled $2.4 million and $1.4 million, respectively. In the course of ordinary business, the Company is, from time to time, named a party to legal actions and proceedings, primarily related to the collection of loans and foreclosed assets. In accordance with generally accepted accounting principles, the Company establishes reserves for litigation and regulatory matters when those matters present loss contingencies that are both probable and estimable. When loss contingencies are not both probable and estimable, the Company does not establish reserves.

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
STOCK-BASED COMPENSATION	NOTE 15 – STOCK-BASED COMPENSATION Compensation cost is recognized for stock options and restricted stock awards issued to employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards and as the restriction period for restricted stock awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. The Company has adopted a 2013 Equity Incentive Plan under which an aggregate of 1,200,000 ten years 173,637 In connection with the merger of First South, the Company assumed the obligations of First South under the First South Bancorp, Inc. 2008 Equity Incentive Plan (the “2008 Plan”) and the First South Bancorp, Inc. 1997 Stock Option Plan (the “1997 Plan”). At December 31, 2019, the 2008 Plan had 8,862 stock options outstanding and there are no stock options outstanding for the 1997 Plan. There are no additional shares available to be awarded under the 2008 Plan or the 1997 Plan. All options under the 2008 Plan and 1997 Plan were fully vested at the time of the merger. In connection with the merger of Carolina Trust, the Company assumed the existing outstanding options from Carolina Trust by reissuing options with the existing terms and conditions. At December 31, 2019, the date of the merger, the stock options awarded from the Company’s 2013 Equity Incentive Plan to employees of Carolina Trust totaled 34,624. All options were fully vested at the time of the merger. The expense recognition of employee stock option, restricted stock awards, and restricted stock units resulted in net expense of approximately $ 3.1 2.7 1.7 Information regarding the 2019 grants as well as other relevant disclosure related to the share-based compensation plans of the Company is presented below. Stock Options Activity in the Company’s stock option plans is summarized in the following table. All information has been retroactively adjusted for stock splits. At and for the Years Ended December 31, 2019 2018 Weighted Weighted Average Average Exercise Exercise Shares Price Shares Price Outstanding at beginning of year 297,431 $ 11.12 312,382 $ 12.01 Granted — — 1,000 40.91 Acquired in a merger 34,624 12.93 — — Exercised (71,842 ) 13.37 (7,596 ) 18.71 Forfeited or expired — — (8,355 ) 40.79 Outstanding at end of year 260,213 $ 10.75 297,431 $ 11.12 Options exercisable at end of year 249,550 $ 9.96 263,114 $ 9.48 The aggregate intrinsic value of 260,213 297,431 Information pertaining to options outstanding at December 31, 2019 and 2018, is as follows: At December 31, 2019 Options Outstanding Options Exercisable Weighted Avg. Weighted Weighted Number Remaining Years Average Number Average Exercise Prices Outstanding Contractual Life Exercise Price Outstanding Exercise Price $4.17 111,778 3.3 $ 4.17 111,778 $ 4.17 $7.10 4,397 2.2 7.10 4,397 7.10 $8.54 6,576 4.3 8.54 6,576 8.54 $9.27 - $9.97 2,569 2.1 9.68 2,569 9.68 $10.20 - $10.66 4,794 1.5 10.50 4,794 10.50 $11.03 - $11.58 54,762 4.9 11.48 54,763 11.48 $12.88 2,279 3.4 12.88 2,279 12.88 $15.82 - $16.83 47,908 5.7 16.53 45,908 16.51 $17.17 - $18.13 4,450 4.8 17.54 4,450 17.54 $21.24 1,013 0.2 21.54 1,013 21.54 $30.90 18,687 7.1 30.90 11,023 30.90 $40.91 1,000 8.2 40.91 — — 260,213 4.3 $ 10.75 249,550 $ 9.96 At December 31, 2018 Options Outstanding Options Exercisable Weighted Avg. Weighted Weighted Number Remaining Years Average Number Average Exercise Prices Outstanding Contractual Life Exercise Price Outstanding Exercise Price $4.17 124,930 4.3 $ 4.17 124,930 $ 4.17 $8.14 10,127 3.2 8.14 10,127 8.14 $8.54 6,576 5.3 8.54 6,576 8.54 $9.97 - $10.66 7,596 2.2 10.52 7,596 10.52 $11.58 - $12.88 58,796 6.0 11.66 58,796 11.66 $15.82 - $16.83 54,781 7.0 16.56 36,791 16.54 $20.97 - $21.54 10,635 0.6 21.21 10,635 21.21 $30.90 22,990 8.1 30.90 7,663 30.90 $34.10 - $38.03 — — — — — $40.91 1,000 2.2 40.91 — — $42.28 - $42.56 — — — — — 297,431 5.2 $ 11.12 263,114 $ 9.48 The fair value of options is estimated at the date of grant using the Black-Scholes option pricing model and expensed over the option vesting period. The following weighted-average assumptions were used in valuing options issued during 2018. No options were issued during 2019. 2018 Dividend yield 0.5 % Expected life 6 years Expected volatility 44 % Risk-free interest rate 2.76 % As of December 31, 2019, there was $19,000 of total unrecognized compensation cost related to non-vested stock option grants under the plans. The cost is expected to be recognized over a weighted-average period of 0.6 years as of December 31, 2019. Restricted Stock Grants The Company from time-to-time also grants shares of restricted stock to key employees and non-employee directors. These awards help align the interests of these employees and directors with the interests of the stockholders of the Company by providing economic value directly related to increases in the value of the Company’s stock. These awards typically hold service requirements over various vesting periods. The value of the stock awarded is established as the fair market value of the stock at the time of the grant. The Company recognizes expense, equal to the total value of such awards, ratably over the vesting period of the stock grants. All restricted stock agreements are conditioned upon continued employment. Termination of employment prior to a vesting date, as described below, would terminate any interest in non-vested shares. Prior to vesting of the shares, as long as employed by the Company, the key employees and non-employee directors will have the right to vote such shares and to receive dividends paid with respect to such shares. All restricted shares will fully vest in the event of change in control of the Company. Nonvested restricted stock for the years ended December 31, 2019 and 2018 is summarized in the following table. At and for the Years Ended December 31, 2019 2018 Weighted Weighted Average Average Grant- Date Grant- Date Restricted stock grants Shares Fair Value Shares Fair Value Nonvested at January 1 117,966 $ 13.14 134,302 $ 8.87 Granted 56,037 33.47 47,039 39.32 Vested (42,001 ) 30.14 (52,925 ) 20.85 Forfeited (19,453 ) 30.36 (10,450 ) 37.09 Nonvested at December 31 112,549 $ 13.94 117,966 $ 13.14 The vesting schedule of these shares as of December 31, 2019 is as follows: Shares 2020 57,925 2021 28,747 2022 18,525 2023 7,352 2024 — Thereafter — Total 112,549 As of December 31, 2019, there was $3.9 million of total unrecognized compensation cost related to nonvested restricted stock granted under the plans. The cost is expected to be recognized over a weighted-average period of 1.8 years as of December 31, 2019. Restricted Stock Units The Company from time-to-time also grants performance restricted stock units (“RSUs”) to key employees. These awards help align the interests of these employees with the interests of the shareholders of the Company by providing economic value directly related to the performance of the Company. Performance RSU grants contain a two year performance period. The Company communicates the specific threshold, target, and maximum performance RSU awards and performance targets to the applicable key employees at the beginning of a performance period. Dividends are not paid in respect to the awards and the holder does not have the right to vote the shares during the performance period. The value of the RSUs awarded is established as the fair market value of the stock at the time of the grant. The Company recognizes expenses on a straight-line basis typically over the period the performance target is to be achieved. Nonvested RSUs for the years ended December 31, 2019 and 2018 is summarized in the following table. At and For the Years Ended December 31, 2019 December 31, 2018 Weighted Weighted Average Average Grant- Date Grant- Date Restricted stock units Shares Fair Value Shares Fair Value Nonvested at January 1 21,512 $ 38.77 17,273 $ 30.90 Granted 23,045 33.87 22,112 38.77 Granted-achievement of 150% target 10,256 38.23 — — Vested (20,512 ) 38.77 (17,273 ) 30.90 Vested-achievement of 150% target (10,256 ) 38.23 — — Forfeited (1,000 ) 38.77 (600 ) 38.77 Nonvested at December 31 23,045 $ 33.87 21,512 $ 38.77 As of December 31, 2019, there was $0.4 million of total unrecognized compensation cost related to nonvested RSUs granted under the plan. This cost is expected to be recognized over a weighted-average period of 1.0 years as of December 31, 2019.

ESTIMATED FAIR VALUE OF FINANCI

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 16 – ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS Current accounting literature requires disclosures about the fair value of all financial instruments whether or not recognized in the balance sheet, for which it is practicable to estimate the value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized through immediate settlement of the instrument. The fair value of a financial instrument is an amount at which the asset or obligation could be exchanged in a current transaction between willing parties, other than in a forced sale. Fair values are estimated at a specific point in time based on relevant market information and information about the financial instruments. Because no market value exists for a significant portion of the financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. The Company has used management’s best estimate of fair value based on the above assumptions. Thus the fair values presented may not be the amounts that could be realized in an immediate sale or settlement of the instrument. In addition, any income taxes or other expenses that would be incurred in an actual sale or settlement are not taken into consideration in the fair values presented. The Company determines the fair value of its financial instruments based on the fair value hierarchy established under ASC 820-10, which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the financial instrument’s fair value measurement in its entirety. There are three levels of inputs that may be used to measure fair value. The three levels of inputs of the valuation hierarchy are defined below: Level 1 Quoted prices (unadjusted) in active markets for identical assets and liabilities for the instrument or security to be valued. Level 1 assets include marketable equity securities as well as U.S. Treasury securities that are highly liquid and are actively traded in over-the-counter markets. Level 2 Observable inputs other than Level 1 quoted prices, such as quoted prices for similar assets and liabilities in active markets, quoted prices in markets that are not active, or model-based valuation techniques for which all significant assumptions are derived principally from or corroborated by observable market data. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined by using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. U.S. Government sponsored agency securities, mortgage-backed securities issued by U.S. Government sponsored enterprises and agencies, obligations of states and municipalities, collateralized mortgage obligations issued by U.S. Government sponsored enterprises, and mortgage loans held-for-sale are generally included in this category. Certain private equity investments that invest in publicly traded companies are also considered Level 2 assets. Level 3 Unobservable inputs that are supported by little, if any, market activity for the asset or liability. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow models and similar techniques, and may also include the use of market prices of assets or liabilities that are not directly comparable to the subject asset or liability. These methods of valuation may result in a significant portion of the fair value being derived from unobservable assumptions that reflect the Company’s own estimates for assumptions that market participants would use in pricing the asset or liability. This category primarily includes collateral-dependent impaired loans, other real estate, certain equity investments, and certain private equity investments. Assets and liabilities measured at fair value on a recurring basis Quoted market Significant other Significant other price in active observable inputs unobservable inputs markets (Level 1) (Level 2) (Level 3) (In thousands) December 31, 2019 Available-for-sale investment securities: Municipal securities $ — 218,968 — US government agencies — 23,923 — Collateralized loan obligations — 299,982 — Corporate securities — 6,988 — Mortgage-backed securities: Agency — 166,714 — Non-agency — 151,942 — Trust preferred securities — 10,718 — Loans held for sale — 31,282 — Derivative assets: Non-hedging derivatives: Interest rate swaps 138 — — Mortgage loan interest rate lock commitments — 1,073 — Mortgage loan forward sales commitments — 580 — Derivative liabilities: Cash flow hedges Interest rate swaps 620 — — Non-hedging derivatives: Interest rate swaps 2,767 — — Mortgage-backed securities forward sales commitments — 40 — December 31, 2018 Available-for-sale investment securities: Municipal securities $ — 213,714 — US government agencies — 25,277 — Collateralized loan obligations — 230,699 — Corporate securities — 6,960 — Mortgage-backed securities: Agency — 197,520 — Non-agency — 157,531 — Trust preferred securities — 11,100 — Loans held for sale — 16,972 — Derivative assets: Cash flow hedges: Interest rate swaps 1,232 — — Non-hedging derivatives: Interest rate swaps 1,198 — — Mortgage loan interest rate lock commitments — 1,199 — Mortgage loan forward sales commitments — 403 — Derivative liabilities: Non-hedging derivatives: Interest rate swaps 937 — — Mortgage-backed securities forward sales commitments — 295 — Securities Available-for-Sale Fair values for investment securities available-for-sale are measured on a recurring basis upon quoted market prices, if available. If quoted market prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for prepayment assumptions, projected credit losses, and liquidity. At December 31, 2019 and 2018, the Company’s investment securities available-for-sale are recurring Level 2. During the year ended December 31, 2018, transfers from Level 3 to Level 2 included $11.5 million of trust preferred securities driven by an increase in the observability of certain valuation inputs. All transfers are assumed to occur at the end of the quarterly reporting period in which they occur. Mortgage Loans Held for Sale Mortgage loans held for sale are recorded at either fair value, if elected, or the lower of cost or fair value on an individual loan basis on a recurring basis. Origination fees and costs for loans held for sale recorded at lower of cost or market are capitalized in the basis of the loan and are included in the calculation of realized gains and losses upon sale. Origination fees and costs are recognized in earnings at the time of origination for loans held for sale that are recorded at fair value. Fair value is derived from observable current market prices, when available, and includes loan servicing value. When observable market prices are not available, the Company uses judgment and estimates fair value using internal models, in which the Company uses its best estimates of assumptions it believes would be used by market participants in estimating fair value. Mortgage loans held for sale are classified within Level 2 of the valuation hierarchy. Derivative Assets and Liabilities Fair values for derivative assets and liabilities are measured on a recurring basis. The primary use of derivative instruments is related to the mortgage banking activities of the Company. The Company’s wholesale mortgage banking subsidiary enters into interest rate lock commitments related to expected funding of residential mortgage loans at specified times in the future. Interest rate lock commitments that relate to the origination of mortgage loans that will be held-for-sale are considered derivative instruments under applicable accounting guidance. As such, the Company records its interest rate lock commitments and forward loan sales commitments at fair value, determined as the amount that would be required to settle each of these derivative financial instruments at the balance sheet date. In the normal course of business, the mortgage subsidiary enters into contractual interest rate lock commitments to extend credit, if approved, at a fixed interest rate and with fixed expiration dates. The commitments become effective when the borrowers “lock-in” a specified interest rate within the time frames established by the mortgage banking subsidiary. Market risk arises if interest rates move adversely between the time of the interest rate lock by the borrower and the sale date of the loan to an investor. To mitigate the effect of the interest rate risk inherent in providing interest rate lock commitments to borrowers, the mortgage banking subsidiary enters into best efforts forward sales contracts with third party investors. The forward sales contracts lock in a price for the sale of loans similar to the specific interest rate lock commitments. Both the interest rate lock commitments to the borrowers and the forward sales contracts to the investors that extend through to the date the loan may close are derivatives, and accordingly, are marked to fair value through earnings. In estimating the fair value of an interest rate lock commitment, the Company assigns a probability to the interest rate lock commitment based on an expectation that it will be exercised and the loan will be funded. The fair value of the interest rate lock commitment is derived from the fair value of related mortgage loans, which is based on observable market data and includes the expected net future cash flows related to servicing of the loans. The fair value of the interest rate lock commitment is also derived from inputs that include guarantee fees negotiated with the agencies and private investors, buy-up and buy-down values provided by the agencies and private investors, and interest rate spreads for the difference between retail and wholesale mortgage rates. The Company also applies fall-out ratio assumptions for those interest rate lock commitments for which we do not close a mortgage loan. The fall-out ratio assumptions are based on the mortgage subsidiary’s historical experience, conversion ratios for similar loan commitments, and market conditions. While fall-out tendencies are not exact predictions of which loans will or will not close, historical performance review of loan-level data provides the basis for determining the appropriate hedge ratios. In addition, on a periodic basis, the mortgage banking subsidiary performs analysis of actual rate lock fall-out experience to determine the sensitivity of the mortgage pipeline to interest rate changes from the date of the commitment through loan origination, and then period end, using applicable published mortgage-backed investment security prices. The expected fall-out ratios (or conversely the “pull-through” percentages) are applied to the determined fair value of the unclosed mortgage pipeline in accordance with GAAP. Changes to the fair value of interest rate lock commitments are recognized based on interest rate changes, changes in the probability that the commitment will be exercised, and the passage of time. The fair value of the forward sales contracts to investors considers the market price movement of the same type of security between the trade date and the balance sheet date. These instruments are defined as Level 2 within the valuation hierarchy. Derivative instruments not related to mortgage banking activities include interest rate swap agreements. Fair values for these instruments are based on quoted market prices, when available. As such, the fair value adjustments for derivatives with fair values based on quoted market prices in an active market are recurring Level 1. Assets measured at fair value on a nonrecurring basis Quoted market price Significant other Significant other in active markets observable inputs unobservable inputs (Level 1) (Level 2) (Level 3) (In thousands) December 31, 2019 Impaired loans: Loans secured by real estate: One-to-four family $ — — 5,449 Home equity — — 98 Commercial real estate — — 20,172 Construction and development — — 3,101 Consumer loans — — 12 Commercial business loans — — 5,210 Real estate owned: One-to-four family — — 755 Commercial real estate — — 784 Construction and development — — 786 Mortgage servicing rights — — 31,410 December 31, 2018 Impaired loans: Loans secured by real estate: One-to-four family $ — — 4,511 Home equity — — 249 Commercial real estate — — 4,960 Construction and development — — 1,351 Consumer loans — — 31 Commercial business loans — — 2,829 Real estate owned: One-to-four family — — 204 Construction and development — — 1,330 Mortgage servicing rights — — 40,880 For Level 3 assets and liabilities measured at fair value on a nonrecurring basis At December 31, 2019 and December 31, 2018 Significant Significant Unobservable Valuation Technique Observable Inputs Inputs Impaired loans Appraisal value Appraisals and or sales of comparable properties Appraisals discounted 10% 20% Real estate owned Appraisal value/ Comparison sales Appraisals and or sales of comparable properties Appraisals discounted 10% 20% Mortgage servicing rights Discounted cash flows Comparable sales Weighted average discount rates averaging 10% 12% Weighted average discount rates averaging 12% 13% Weighted average prepayment rates averaging 10% 12% Weighted average prepayment rates averaging 6% 7% Net servicing fee of 0.25% period presented Weighted average delinquency rates averaging 1.87% Weighted average delinquency rates averaging 2.34% Impaired Loans Loans that are considered impaired are recorded at fair value on a nonrecurring basis. Once a loan is considered impaired, the fair value is measured using one of several methods, including collateral liquidation value, market value of similar debt and discounted cash flows. Those impaired loans not requiring a specific charge against the allowance represent loans for which the fair value of the expected repayments or collateral meet or exceed the recorded investment in the loan. Loans which are deemed to be impaired are primarily valued on a nonrecurring basis at the fair value of the underlying real estate collateral. Such fair values are obtained using independent appraisals, which the Company considers to be Level 3 inputs. Other Real Estate Owned (“OREO”) OREO is carried at the lower of carrying value or fair value on a nonrecurring basis. Fair value is based upon independent appraisals or management’s estimation of the collateral and is considered a Level 3 measurement. When the OREO value is based upon a current appraisal or when a current appraisal is not available or there is estimated further impairment, the measurement is considered a Level 3 measurement. Mortgage Servicing Rights A mortgage servicing right asset represents the amount by which the present value of the estimated future net cash flows to be received from servicing loans are expected to more than adequately compensate the Company for performing the servicing. The Company initially measures servicing assets and liabilities retained related to the sale of residential loans held for sale (“mortgage servicing rights”) at fair value, if practicable. For subsequent measurement purposes, the Company measures servicing assets and liabilities based on the lower of cost or market quarterly on a nonrecurring basis. The quarterly determination of fair value of servicing rights is provided by a third party and is estimated using a present value cash flow model. The most important assumptions used in the valuation model are the anticipated rate of the loan prepayments and discount rates. Although some assumptions in determining fair value are based on standards used by market participants, some are based on unobservable inputs and therefore are classified in Level 3 of the valuation hierarchy. The Company recorded a $3.1 million temporary impairment of mortgage servicing rights in the year ended December 31, 2019. Impairment was recorded in the 2017, 2018 and 2019 tranches. The Company does not hedge the mortgage servicing rights positions and the impact of falling long-term interest rates increased prepayment speed assumptions reducing the value of the MSR asset. The carrying amount and estimated fair value of the Company’s financial instruments At December 31, 2019 Carrying Fair Value Amount Total Level 1 Level 2 Level 3 (In thousands) Financial assets: Cash and due from banks $ 41,411 41,411 41,411 — — Interest-bearing cash 91,792 91,792 91,792 — — Securities available-for-sale 879,235 879,235 — 879,235 — Federal Home Loan Bank stock, at cost 23,280 23,280 — — 23,280 Other investments 3,521 3,521 — — 3,521 Derivative assets 1,791 1,791 138 1,653 — Loans held for sale 31,282 31,282 — 31,282 — Loans receivable, net 3,211,416 3,214,179 — — 3,214,179 Accrued interest receivable 14,951 14,951 — 14,951 — Real estate acquired through foreclosure 2,325 2,325 — — 2,325 Mortgage servicing rights 25,941 31,410 — — 31,410 Financial liabilities: Deposits 3,408,361 3,413,608 — 3,413,608 — Short-term borrowed funds 437,700 437,669 — 437,669 — Long-term debt 54,875 54,215 — 54,215 — Derivative liabilities 3,427 3,427 3,387 40 — Drafts outstanding 8,193 8,193 — 8,193 — Advances from borrowers for insurance and taxes 3,288 3,288 — 3,288 — Accrued interest payable 2,450 2,450 — 2,450 — Dividends payable to stockholders 2,227 2,227 — 2,227 — At December 31, 2018 Carrying Fair Value Amount Total Level 1 Level 2 Level 3 (In thousands) Financial assets: Cash and due from banks $ 28,857 28,857 28,857 — — Interest-bearing cash 33,276 33,276 33,276 — — Securities available-for-sale 842,801 842,801 — 842,801 — Federal Home Loan Bank stock, at cost 21,696 21,696 — — 21,696 Other investments 3,450 3,450 — — 3,450 Derivative assets 4,032 4,032 2,430 1,602 — Loans held for sale 16,972 16,972 — 16,972 — Loans receivable, net 2,509,873 2,506,384 — — 2,506,384 Accrued interest receivable 13,494 13,494 — 13,494 — Real estate acquired through foreclosure 1,534 1,534 — — 1,534 Mortgage servicing rights 32,933 40,880 — — 40,880 Financial liabilities: Deposits 2,718,193 2,721,885 — 2,721,885 — Short-term borrowed funds 405,500 405,532 — 405,532 — Long-term debt 59,436 61,853 — 61,853 — Derivative liabilities 1,232 1,232 937 295 — Drafts outstanding 8,129 8,129 — 8,129 — Advances from borrowers for insurance and taxes 4,100 4,100 — 4,100 — Accrued interest payable 1,591 1,591 — 1,591 — Dividends payable to stockholders 1,576 1,576 — 1,576 — At December 31, 2019 At December 31, 2018 Notional Estimated Notional Estimated Amount Fair Value Amount Fair Value (In thousands) Off-Balance Sheet Financial Instruments Commitments to extend credit $ 659,126 — 379,170 — Standby letters of credit 23,761 — 13,797 — In determining appropriate levels, the Company performs a detailed analysis of the assets and liabilities that are subject to fair value disclosures. At each reporting period, all assets and liabilities for which the fair value measurement is based on significant unobservable inputs are classified as Level 3. Cash and due from banks The carrying amounts of these financial instruments approximate fair value. All mature within 90 days and present no anticipated credit concerns. Interest-bearing cash The carrying amount of these financial instruments approximates fair value. FHLB stock and other investments The carrying amount of these financial instruments approximates fair value. Loans receivable During the first quarter of 2018, the Company adopted ASU 2016-01, “Recognition and Measurement of Financial Assets and Liabilities.” The amendments included within this standard, which were applied prospectively, require the Company to disclose fair value of financial instruments measured at amortized cost on the balance sheet to measure that fair value using an exit price notion. Prior to adopting the amendments included in the standard, the Company was allowed to measure fair value under an entry price notion. The entry price notion previously applied by the Company used a discounted cash flows technique to calculate the present value of expected future cash flows for a financial instrument. The exit price notion uses the same approach, but also incorporates other factors, such as enhanced credit risk, illiquidity risk and market factors that sometimes exist in exit prices in dislocated markets. The technique used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used prior to adopting the amendments included in the standard, but with added emphasis on both illiquidity risk and credit risk not captured by the previously applied entry price notion. The fair value of the Company’s loan portfolio has always included a credit risk assumption in the determination of the fair value of its loans. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach. The results are then adjusted to account for credit risk as described above. However, under the new guidance, the Company believes a further credit risk discount must be applied through the use of a discounted cash flow model to compensate for illiquidity risk, based on certain assumptions included within the discounted cash flow model, primarily the use of discount rates that better capture inherent credit risk over the lifetime of a loan. This consideration of enhanced credit risk provides an estimated exit price for the Company’s loan portfolio. For variable rate loans that reprice frequently and have no significant change in credit risk, fair values approximate carrying values. Fair values for impaired loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral. Accrued interest receivable The carrying value approximates the fair value. Deposits The estimated fair value of demand deposits, savings accounts, and money market accounts is the amount payable on demand at the reporting date. The estimated fair value of fixed maturity certificates of deposits is estimated by discounting the future cash flows using rates currently offered for deposits of similar remaining maturities. Short-term borrowed funds The carrying amounts of federal funds purchased, borrowings under repurchase agreements, and other short-term borrowings maturing within 90 days approximate their fair values. Estimated fair values of other short-term borrowings are estimated using discounted cash flow analyses based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements. Long-term debt The estimated fair values of the Company’s long-term debt are estimated using discounted cash flow analyses based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements. Drafts outstanding, advances from borrowers for insurance and taxes and dividends payable to stockholders The carrying value approximates the fair value. Accrued interest payable The fair value approximates the carrying value. Commitments to extend credit The carrying amounts of these commitments are considered to be a reasonable estimate of fair value because the commitments underlying interest rates are generally based upon current market rates. Off-balance sheet financial instruments Contract values and fair values for off-balance sheet, credit-related financial instruments are based on estimated fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and counterparties’ credit standing.

OFF-BALANCE SHEET FINANCIAL INS

OFF-BALANCE SHEET FINANCIAL INSTRUMENTS AND CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2019
Off-balance Sheet Financial Instruments And Concentrations Of Credit Risk
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS AND CONCENTRATIONS OF CREDIT RISK	NOTE 17 - OFF-BALANCE SHEET FINANCIAL INSTRUMENTS AND CONCENTRATIONS OF CREDIT RISK The Company is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. 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 is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments as for on-balance sheet instruments. At December 31, 2019 and 2018, the Company had commitments to extend credit in the amount of $ 659.1 379.2 23.8 13.8 Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. Payment is only guaranteed under these letters of credit upon the borrower’s failure to perform its obligations to the beneficiary. The Company can seek recovery of the amounts paid from the borrower and the letters of credit are generally not collateralized. Commitments under standby letters of credit are usually one year or less. At December 31, 2019, the Company has recorded no liability for the current carrying amount of the obligation to perform as a guarantor; as such amounts are not considered material. The maximum potential of undiscounted future payments related to standby letters of credit at December 31, 2019 was approximately $23.8 million. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require a payment of a fee. Since commitments may expire without being drawn upon, the total commitments do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. Collateral held varies, but may include inventory, property and equipment, residential real estate and income producing commercial properties. The Company’s primary uses of derivative instruments are related to the mortgage banking activities. As such, the Company holds derivative instruments, which consist of rate lock agreements related to expected funding of fixed-rate mortgage loans to customers (interest rate lock commitments) and forward commitments to sell mortgage-backed securities and individual fixed-rate mortgage loans. The Company’s objective in obtaining the forward commitments is to mitigate the interest rate risk associated with the interest rate lock commitments and the mortgage loans that are held for sale. Derivative instruments not related to mortgage banking activities primarily relate to interest rate swap agreements. The Company’s derivative positions are presented with discussion in Note 5 - Derivatives.

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 18 - EMPLOYEE BENEFIT PLANS The Company maintains a 401(k) plan that covers substantially all employees of CresCom Bank, Carolina Services (“CFC Participants”) and Crescent Mortgage (“CMC Participants”). Participants may contribute up to the maximum allowed by the regulation. During fiscal 2019 and 2018, the Company matched 75% 6.0% 1.0 1.0 0.8

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2019
Earnings per common share:
EARNINGS PER COMMON SHARE	NOTE 19 - EARNINGS PER COMMON SHARE Basic earnings per common share are calculated by dividing net income by the weighted average number of common shares outstanding during the period. Basic earnings per common share exclude the effect of nonvested restricted stock. Diluted earnings per common share is calculated by dividing net income by the weighted average number of common shares outstanding plus the weighted average number of additional common shares that would have been outstanding if the dilutive potential common shares had been issued. Diluted earnings per common share include the effects of outstanding stock options and restricted stock issued by the Company, if dilutive. The number of additional shares is calculated by assuming that outstanding stock options were exercised and that the proceeds from such exercises and vesting were used to acquire shares of common stock at the average market price during the reporting period. All share, earnings per share, and per share data have been retroactively adjusted to reflect stock splits for all periods presented in accordance with generally accepted accounting principles. The following is a summary of the reconciliation of average shares outstanding December 31, 2019 2018 2017 Basic Diluted Basic Diluted Basic Diluted Weighted average shares outstanding 22,168,082 22,168,082 21,756,595 21,756,595 16,317,501 16,317,501 Effect of dilutive securities — 217,045 — 216,262 — 232,856 Weighted average shares outstanding 22,168,082 22,385,127 21,756,595 21,972,857 16,317,501 16,550,357 The average market price used in calculating the dilutive securities under the treasury stock method for the years ended December 31, 2019, 2018 and 2017 was $36.16, $38.95 and $32.85 respectively. For the years ended December 31, 2019, 2018 and 2017, the Company excluded 1,000, 1,000 and 37,802 option shares, respectively, from the calculation of diluted earnings per share during the period because the exercise prices were greater than the average market price of the common shares, and therefore were deemed not to be dilutive. The following is a summary of the reconciliation of shares issued and outstanding and unvested restricted stock awards As of December 31, 2019 2018 2017 Issued and outstanding shares 24,777,608 22,387,009 21,022,202 Less nonvested restricted stock awards (112,549 ) (117,966 ) (134,302 ) Period end dilutive shares 24,665,059 22,269,043 20,887,900

CAPITAL REQUIREMENTS AND OTHER

CAPITAL REQUIREMENTS AND OTHER RESTRICTIONS	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
CAPITAL REQUIREMENTS AND OTHER RESTRICTIONS	NOTE 20 - CAPITAL REQUIREMENTS AND OTHER RESTRICTIONS The Company and the Bank are subject to various federal and state regulatory requirements, including regulatory capital requirements. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions that if undertaken could have a direct material effect on the Company’s and the Bank’s financial statements. Effective January 2, 2015, the Company and Bank became subject to the regulatory risk-based capital rules adopted by the federal banking agencies implementing Basel III. Under the new capital guidelines, applicable regulatory capital components consist of (1) common equity Tier 1 capital (common stock, including related surplus, and retained earnings, plus limited amounts of minority interest in the form of common stock, net of goodwill and other intangibles (other than mortgage servicing assets), deferred tax assets arising from net operating loss and tax credit carry forwards above certain levels, mortgage servicing rights above certain levels, gain on sale of securitization exposures and certain investments in the capital of unconsolidated financial institutions, and adjusted by unrealized gains or losses on cash flow hedges and accumulated other comprehensive income items (subject to the ability of a non-advanced approaches institution to make a one-time irrevocable election to exclude from regulatory capital most components of AOCI), (2) additional Tier 1 capital (qualifying non-cumulative perpetual preferred stock, including related surplus, plus qualifying Tier 1 minority interest and, in the case of holding companies with less than $15 billion in consolidated assets at December 31, 2009, certain grandfathered trust preferred securities and cumulative perpetual preferred stock in limited amounts, net of mortgage servicing rights, deferred tax assets related to temporary timing differences, and certain investments in financial institutions) and (3) Tier 2 capital (the allowance for loan and lease losses in an amount not exceeding 1.25% of standardized risk-weighted assets, plus qualifying preferred stock, qualifying subordinated debt and qualifying total capital minority interest, net of Tier 2 investments in financial institutions). Total Tier 1 capital, plus Tier 2 capital, constitutes total risk-based capital. The required minimum ratios are as follows: · Common equity Tier 1 capital ratio (common equity Tier 1 capital to total risk-weighted assets) of 4.5% · Tier 1 Capital Ratio (Tier 1 capital to total risk-weighted assets) of 6% · Total capital ratio (total capital to total risk-weighted assets) of 8%; and · Leverage ratio (Tier 1 capital to average total consolidated assets) of 4% The new capital guidelines also provide that all covered banking organizations must maintain a new capital conservation buffer of common equity Tier 1 capital in an amount greater than 2.5% of total risk-weighted assets to avoid being subject to limitations on capital distributions and discretionary bonus payments to executive officers. The phase-in of the capital conservation buffer requirement began on January 1, 2016 and became full phased in as of January 1, 2019. The final regulatory capital rules also incorporate these changes in regulatory capital into the prompt corrective action framework, under which the thresholds for “adequately capitalized” banking organizations are equal to the new minimum capital requirements. Under this framework, in order to be considered “well capitalized”, insured depository institutions are required to maintain a Tier 1 leverage ratio of 5%, a common equity Tier 1 capital measure of 6.5%, a Tier 1 capital ratio of 8% and a total capital ratio of 10%. On June 11, 2018, the Company completed the sale of 1.5 million shares of its common stock. The net proceeds of the offering to the Company, after estimated expenses, were approximately $63.0 million. The actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the Company To Be Well Minimum Capital Minimum Capital Capitalized Under Required - Basel III Required - Basel III Prompt Corrective Actual Phase-In Schedule Fully Phased-In Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019 Carolina Financial Corporation CET1 capital (to risk weighted assets) $ 534,742 15.10 % 247,915 7.000 % 247,915 7.000 % N/A N/A Tier 1 capital (to risk weighted assets) 566,240 15.99 % 301,040 8.500 % 301,040 8.500 % N/A N/A Total capital (to risk weighted assets) 592,908 16.74 % 371,873 10.500 % 371,873 10.500 % N/A N/A Tier 1 capital (to total average assets) 566,240 15.03 % 150,695 4.000 % 150,695 4.000 % N/A N/A CresCom Bank CET1 capital (to risk weighted assets) 580,752 16.41 % 247,744 7.000 % 247,744 7.000 % 230,048 6.50 % Tier 1 capital (to risk weighted assets) 580,752 16.41 % 300,832 8.500 % 300,832 8.500 % 283,136 8.00 % Total capital (to risk weighted assets) 597,273 16.88 % 371,616 10.500 % 371,616 10.500 % 353,920 10.00 % Tier 1 capital (to total average assets) 580,752 15.42 % 150,663 4.000 % 150,663 4.000 % 188,329 5.00 % To Be Well Minimum Capital Minimum Capital Capitalized Under Required - Basel III Required - Basel III Prompt Corrective Actual Phase-In Schedule Fully Phased-In Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2018 Carolina Financial Corporation CET1 capital (to risk weighted assets) $ 431,568 15.19 % 181,094 6.375 % 198,848 7.000 % N/A N/A Tier 1 capital (to risk weighted assets) 462,888 16.29 % 223,704 7.875 % 241,459 8.500 % N/A N/A Total capital (to risk weighted assets) 477,351 16.80 % 280,518 9.875 % 298,273 10.500 % N/A N/A Tier 1 capital (to total average assets) 462,888 13.01 % 142,270 4.000 % 142,270 4.000 % N/A N/A CresCom Bank CET1 capital (to risk weighted assets) 454,181 16.00 % 180,948 6.375 % 198,688 7.000 % 184,496 6.50 % Tier 1 capital (to risk weighted assets) 454,181 16.00 % 223,524 7.875 % 241,264 8.500 % 227,072 8.00 % Total capital (to risk weighted assets) 468,644 16.51 % 280,292 9.875 % 298,032 10.500 % 283,840 10.00 % Tier 1 capital (to total average assets) 454,181 12.76 % 142,392 4.000 % 142,392 4.000 % 177,990 5.00 % A South Carolina state bank may not pay dividends from capital. All dividends must be paid out of undivided profits then on hand, after deducting expenses, including reserves for losses and bad debts. Unless otherwise instructed by the South Carolina Board of Financial Institutions, the Bank is generally permitted under South Carolina state banking regulations to pay cash dividends of up to 100% of net income in any calendar year without obtaining the prior approval of the South Carolina Board of Financial Institutions. In addition, under the Federal Deposit Insurance Corporation Improvement Act, the Bank may not pay a dividend if, after paying the dividend, the Bank would be undercapitalized. The note may also prevent the payment of a dividend by the Bank if it determines that the payment would be an unsafe and unsound banking practice.

SUPPLEMENTAL SEGMENT INFORMATIO

SUPPLEMENTAL SEGMENT INFORMATION	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
SUPPLEMENTAL SEGMENT INFORMATION	NOTE 21 – SUPPLEMENTAL SEGMENT INFORMATION The Company has three reportable segments: community banking, wholesale mortgage banking (“mortgage banking”) and other. The community banking segment provides traditional banking services offered through CresCom Bank. The mortgage banking segment provides mortgage loan origination and servicing offered through Crescent Mortgage. The other segment provides managerial and operational support to the other business segments through Carolina Services and Carolina Financial. The accounting policies of the segments are the same as those described in the summary of significant accounting policies. The Company evaluates performance based on net income. The Company accounts for intersegment revenues and expenses as if the revenue/expense transactions were generated to third parties, that is, at current market prices. The Company’s reportable segments are strategic business units that offer different products and services. They are managed separately because each segment has different types and levels of credit and interest rate risk. The following tables present selected financial information for the Company’s reportable business segments Community Mortgage For the Year Ended December 31, 2019 Banking Banking Other Eliminations Total (In thousands) Interest income $ 175,726 1,695 59 (364 ) 177,116 Interest expense 35,736 483 2,138 (491 ) 37,866 Net interest income (expense) 139,990 1,212 (2,079 ) 127 139,250 Provision for (recovery of) loan losses 2,709 (129 ) — — 2,580 Noninterest income from external customers 21,384 25,652 74 — 47,110 Intersegment noninterest income 966 17 — (983 ) — Noninterest expense 77,921 24,004 1,167 — 103,092 Intersegment noninterest expense — 960 6 (966 ) — Income (loss) before income taxes 81,710 2,046 (3,178 ) 110 80,688 Income tax expense (benefit) 18,328 474 (879 ) 25 17,948 Net income (loss) $ 63,382 1,572 (2,299 ) 85 62,740 Assets $ 4,707,151 75,719 790,017 (864,014 ) 4,708,873 Loans receivable, net 3,202,616 14,266 — (5,466 ) 3,211,416 Loans held for sale 996 30,286 — — 31,282 Deposits 3,418,646 — — (10,285 ) 3,408,361 Borrowed funds 449,814 5,100 42,761 (5,100 ) 492,575 Community Mortgage For the Year Ended December 31, 2018 Banking Banking Other Eliminations Total (In thousands) Interest income $ 159,483 1,841 56 (322 ) 161,058 Interest expense 25,227 414 2,025 (418 ) 27,248 Net interest income (expense) 134,256 1,427 (1,969 ) 96 133,810 Provision for loan losses 2,034 25 — — 2,059 Noninterest income from external customers 18,680 21,106 110 — 39,896 Intersegment noninterest income 966 99 — (1,065 ) — Noninterest expense 89,459 18,631 1,117 1 109,208 Intersegment noninterest expense — 960 6 (966 ) — Income (loss) before income taxes 62,409 3,016 (2,982 ) (4 ) 62,439 Income tax expense (benefit) 12,785 701 (716 ) (1 ) 12,769 Net income (loss) $ 49,624 2,315 (2,266 ) (3 ) 49,670 Assets $ 3,786,360 84,335 610,167 (690,114 ) 3,790,748 Loans receivable, net 2,494,421 30,879 — (15,427 ) 2,509,873 Loans held for sale 1,450 15,522 — — 16,972 Deposits 2,724,920 — — (6,727 ) 2,718,193 Borrowed funds 432,500 14,951 32,436 (14,951 ) 464,936 Community Mortgage For the Year Ended December 31, 2017 Banking Banking Other Eliminations Total (In thousands) Interest income $ 93,319 1,743 31 (6 ) 95,087 Interest expense 12,100 172 1,152 (171 ) 13,253 Net interest income (expense) 81,219 1,571 (1,121 ) 165 81,834 Provision for loan losses 779 — — — 779 Noninterest income from external customers 14,262 19,654 — — 33,916 Intersegment noninterest income 966 67 — (1,033 ) — Noninterest expense 55,900 16,614 931 — 73,445 Intersegment noninterest expense — 966 1 (967 ) — Income (loss) before income taxes 39,768 3,712 (2,053 ) 99 41,526 Income tax expense (benefit) 12,929 1,262 (1,267 ) 37 12,961 Net income (loss) $ 26,839 2,450 (786 ) 62 28,565 Assets $ 3,516,551 81,681 503,144 (582,359 ) 3,519,017 Loans receivable, net 2,295,316 28,206 — (15,472 ) 2,308,050 Loans held for sale 5,999 29,293 — — 35,292 Deposits 2,611,106 — — (6,177 ) 2,604,929 Borrowed funds 380,500 15,000 32,259 (15,000 ) 412,759

SUMMARIZED QUARTERLY INFORMATIO

SUMMARIZED QUARTERLY INFORMATION	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
SUMMARIZED QUARTERLY INFORMATION	NOTE 22 – SUMMARIZED QUARTERLY INFORMATION 2019 Quarter Ended (unaudited) 4th 3rd 2nd 1st Quarter Quarter Quarter Quarter (In thousands) Interest income $ 44,386 45,814 44,135 42,781 Interest expense 9,073 9,631 9,852 9,310 Net interest income 35,313 36,183 34,283 33,471 Provision for loan losses 580 620 680 700 Noninterest income 13,291 12,716 11,231 9,871 Noninterest expense 26,559 26,907 25,478 24,147 Income before income taxes 21,465 21,372 19,356 18,495 Income tax expense 4,972 4,744 4,282 3,950 Net income $ 16,493 16,628 15,074 14,545 Earnings per common share: Basic $ 0.74 $ 0.75 $ 0.68 $ 0.66 Diluted $ 0.74 $ 0.74 $ 0.67 $ 0.65 2018 Quarter Ended (unaudited) 4th 3rd 2nd 1st Quarter Quarter Quarter Quarter (In thousands) Interest income $ 42,919 40,985 39,477 37,676 Interest expense 8,027 7,102 6,572 5,545 Net interest income 34,892 33,883 32,905 32,131 Provision for loan losses 750 750 559 — Noninterest income 8,520 10,300 11,027 10,048 Noninterest expense 23,237 24,002 24,371 37,598 Income before income taxes 19,425 19,431 19,002 4,581 Income tax expense 3,981 4,227 4,036 525 Net income $ 15,444 15,204 14,966 4,056 Earnings per common share: Basic $ 0.69 $ 0.67 $ 0.70 $ 0.19 Diluted $ 0.68 $ 0.66 $ 0.70 $ 0.19

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
PARENT COMPANY FINANCIAL INFORMATION	NOTE 23 - PARENT COMPANY FINANCIAL INFORMATION The condensed financial statements for the parent company are presented below: Carolina Financial Corporation Condensed Statements of Operations For the Years Ended December 31, 2019 2018 2017 (In thousands) Interest income $ 60 56 31 Total income 60 56 31 Interest expense 2,138 2,025 1,152 General and administrative expenses 1,100 1,013 932 Total expenses 3,238 3,038 2,084 (Loss) before income taxes and equity in undistributed earnings of subsidiaries (3,178 ) (2,982 ) (2,053 ) Income tax expense (benefit) (879 ) (716 ) (1,267 ) (Loss) before equity in undistributed earnings of subsidiaries (2,299 ) (2,266 ) (786 ) Equity in undistributed earnings of CresCom Bank 65,039 51,936 29,351 Total equity in undistributed earnings of subsidiaries 65,039 51,936 29,351 Net income $ 62,740 49,670 28,565 Carolina Financial Corporation Condensed Balance Sheets At December 31, 2019 2018 (In thousands) Assets: Cash and cash equivalents $ 8,499 5,371 Investment in bank subsidiary 790,566 597,899 Investment in unconsolidated statutory business trusts 1,116 1,116 Securities available-for-sale 1 1 Other assets 922 7,047 Total assets $ 801,104 611,434 Liabilities and stockholders' equity: Accrued expenses and other liabilities $ 14,903 3,713 Long-term debt 42,761 32,436 Stockholders' equity 743,440 575,285 Total liabilities and stockholders' equity $ 801,104 611,434 Carolina Financial Corporation Condensed Statements of Cash Flows For the Years Ended December 31, 2019 2018 2017 (In thousands) Cash flows from operating activities: Net income $ 62,740 49,670 28,565 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings in subsidiaries (65,039 ) (51,936 ) (29,351 ) Stock-based compensation 3,143 2,700 1,658 Vested stock awards surrendered in cashless exercise (1,496 ) (774 ) (1,789 ) Decrease (increase) in other assets 6,452 (5,423 ) 1,053 Increase (decrease) in other liabilities 4 1,581 (3,456 ) Net cash provided by (used in) operating activities 5,804 (4,182 ) (3,320 ) Cash flows from investing activities: Equity contribution in bank subsidiaries — (60,000 ) (35,000 ) Sales and maturities of available for sale securities — 500 — Sale or repayment of investments to subsidiaries 9,000 12,000 — Net cash (paid) received from acquisitions 2,375 — (6,016 ) Net cash provided by (used in) investing activities 11,375 (47,500 ) (41,016 ) Cash flows from financing activities: Issuance of common stock, net of offering expenses 124 63,022 47,671 Stock options exercised 961 56 10 Stock repurchase plan, net of commission (7,115 ) (5,381 ) — Excess tax benefit in connection with equity awards — — 439 Cash dividends paid on common stock (8,021 ) (5,563 ) (2,371 ) Net cash (used in) provided by financing activities (14,051 ) 52,134 45,749 Net increase in cash and cash equivalents 3,128 452 1,413 Cash and cash equivalents, beginning of period 5,371 4,919 3,506 Cash and cash equivalents, end of period $ 8,499 5,371 4,919

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Organization	Organization Carolina Financial Corporation (“Carolina Financial” or the “Company”), incorporated under the laws of the State of Delaware, is a financial holding company with one wholly-owned subsidiary, CresCom Bank (the “Bank”). CresCom Bank operates Crescent Mortgage Company, Carolina Services Corporation of Charleston (“Carolina Services”), DTFS, Inc., CresCom Leasing, LLC and Western Carolina Holdings, LLC. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all material intercompany accounts and transactions have been eliminated. The results of operations of the businesses acquired in transactions accounted for as purchases are included only from the dates of acquisition. All majority-owned subsidiaries are consolidated unless control is temporary or does not rest with the Company. At December 31, 2019, statutory business trusts (“Trusts”) created or acquired by the Company had outstanding trust preferred securities with an aggregate par value of $ 36.0 37.1 1.1 On November 17, 2019, the Company announced the execution of an agreement and plan of merger by and between the Company and United Bankshares, Inc. (“United”), pursuant to which, subject to the terms and conditions set forth therein, the Company will merge with and into United, with United as the surviving corporation of the merger. Refer to Note 2 - Business Combinations for more information.
Management's Estimates	Management's Estimates The financial statements are prepared in accordance with GAAP, which require management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, including valuation for impaired loans, the valuation of real estate acquired in connection with foreclosure or in satisfaction of loans, the valuation of securities, the valuation of derivative instruments, the valuation of assets acquired and liabilities assumed in business combinations, the valuation of mortgage servicing rights, the determination of the reserve for mortgage loan repurchase losses, asserted and unasserted legal claims and deferred tax assets or liabilities. In connection with the determination of the allowance for loan losses and foreclosed real estate, management obtains independent appraisals for significant properties. Management must also make estimates in determining the estimated useful lives and methods for depreciating premises and equipment. Management uses available information to recognize losses on loans and foreclosed real estate. However, future additions to the allowance may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Bank’s allowance for loan losses and foreclosed real estate. It is reasonably possible that the allowance for loan losses and valuation of foreclosed real estate may change materially in the near term.
Subsequent Events, Policy [Policy Text Block]	Subsequent Events Subsequent events are material events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the statement of financial condition but arose after that date. Management has reviewed events occurring through the date the financial statements were issued and no subsequent events were identified that required accrual or disclosure except as follows: On January 30, 2020, the Company’s Board of Directors declared a $ 0.10
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents consists of cash and due from banks and interest-bearing cash with banks. Substantially all of the interest-bearing cash at December 31, 2019 and 2018 consists of Federal Reserve Bank of Richmond (“FRB”) and Federal Home Loan Bank of Atlanta (“FHLB”) overnight deposits. Cash and cash equivalents have maturities of three months or less. The Bank is required to maintain average balances on hand or with the FRB. Cash on hand satisfied the reserve requirements at December 31, 2019 and December 31, 2018.
Securities	Securities Investment securities are classified into three categories: (a) Held-to-Maturity – debt securities that the Company has positive intent and ability to hold to maturity, which are reported at amortized cost; (b) Trading – debt and equity securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (c) Available-for-Sale securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income. The Company determines the category of the investment at the time of purchase. If a security is transferred from available–for-sale to held-to-maturity, the fair value at the time of transfer becomes the held-to-maturity security’s new cost basis. Premiums and discounts on securities are accreted and amortized as an adjustment to interest yield over the estimated life of the security using a method which approximates a level yield. Dividends and interest income are recognized when earned. Unrealized losses on securities, reflecting a decline in value judged by the Company to be other-than-temporary, are charged to income in the consolidated statements of operations. The cost basis of securities sold is determined by specific identification. Purchases and sales of securities are recorded on a trade date basis.
Loans Held for Sale	Loans Held for Sale The Company’s residential mortgage lending activities for sale in the secondary market are comprised of accepting residential mortgage loan applications, qualifying borrowers to standards established by investors, funding residential mortgage loans and selling mortgage loans to investors under pre-existing commitments. Loans held for sale are recorded at fair value. Origination fees and costs are recognized in earnings at the time of origination for loans held for sale that are recorded at fair value. Fair value is derived from observable current market prices, when available, and includes loan servicing value. When observable market prices are not available, the Company uses judgment and estimates fair value using internal models, in which the Company uses its best estimates of assumptions it believes would be used by market participants in estimating fair value. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as mortgage banking income in the consolidated statements of operations. The Company issues rate lock commitments to borrowers on prices quoted by secondary market investors. Derivatives related to these commitments are recorded as either assets or liabilities in the balance sheet and are measured at fair value. Changes in the fair value of the derivatives are reported in current earnings or other comprehensive income depending on the purpose for which the derivative is held and whether the derivative qualifies for hedge accounting.
Derivatives, Policy [Policy Text Block]	Derivative Financial Instruments Derivatives are recognized as either assets or liabilities and are recorded at fair value on the Company’s consolidated balance sheets. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and resulting designation. The Company’s hedging policies permit the use of various derivative financial instruments to manage interest rate risk or to hedge specified assets and liabilities. To qualify for hedge accounting, derivatives must be highly effective at reducing the risk associated with the exposure being hedged and must be designated as a hedge at the inception of the derivative contract. If derivative instruments are designated as fair value hedges, and such hedges are highly effective, both the change in the fair value of the hedge and the hedged item are included in current earnings. If derivative instruments are designated as cash flow hedges, fair value adjustments related to the effective portion are recorded in other comprehensive income and are reclassified to earnings when the hedged transaction is reflected in earnings. Ineffective portions of cash flow hedges are reflected in earnings as they occur. Actual cash receipts and/or payments and related accruals on derivatives related to hedges are recorded as adjustments to the interest income or interest expense associated with the hedged item. During the life of the hedge, the Company formally assesses whether derivatives designated as hedging instruments continue to be highly effective in offsetting changes in the fair value or cash flows of hedged items. If it is determined that a hedge has ceased to be highly effective, the Company will discontinue hedge accounting prospectively. At such time, previous adjustments to the carrying value of the hedged item are reversed into current earnings and the derivative instrument is reclassified to a trading position recorded at fair value. For derivatives not designated as hedges, changes in fair value are recognized in earnings, in noninterest income. For additional discussion related to the determination of fair value related to derivative instruments, see Note 5 - Derivatives.
Loans Receivable, Net	Loans Receivable, Net Loans that management has originated and has the intent and ability to hold for the foreseeable future are reported at their outstanding principal balances net of any unearned income, charge-offs, deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. The net amount of nonrefundable loan origination fees, commitment fees and certain direct costs associated with the lending process are deferred and amortized to interest income over the contractual lives of the loans using methods that approximate a level yield. Commercial loans and substantially all installment loans accrue interest on the unpaid balance of the loans. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or as a practical expedient, at the loan’s observable market price or the fair value of the collateral if the loan is collateral-dependent. When the fair value of the impaired loan is less than the recorded investment in the loan, the impairment is recorded through a specific reserve allocation that is a component of the allowance for loan losses. A loan is charged-off against the allowance for loan losses when all meaningful collection efforts have been exhausted and the loan is viewed as uncollectable in the immediate or foreseeable future. Acquired credit impaired loans are initially recorded at a discount to recognize the difference in the fair value of the loans and the contractual balance. The discount includes a component to recognize the absolute difference between the contractual value and the amount expected to be collected (total cash flow) as well as a component to recognize the net present value of that future amount to be collected. The net present value component is accretable into income and, therefore, generates a yield on all acquired credit impaired loans, regardless of past due status. Therefore, acquired credit impaired loans are considered to be accruing. Acquired credit impaired loans that are greater than 90 days past due are placed into the greater than 90 days past due and still accruing category when analyzing the aging status of the loan portfolio. See Note 6 – Loans Receivable, Net for further detail.
Troubled Debt Restructurings ("TDRs")	Troubled Debt Restructurings ("TDRs") The Company designates loan modifications as TDRs when, for economic or legal reasons related to the borrower’s financial difficulties, it grants a concession to the borrower that it would not otherwise consider. Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of modification are initially classified as accruing TDRs at the date of modification, if the note is reasonably assured of repayment and performance is in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the modification date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accrual status when there is economic substance to the restructuring, there is well documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated repayment performance in accordance with the modified terms for a reasonable period of time, generally a minimum of six months.
Nonperforming Assets	Nonperforming Assets Nonperforming assets include loans on which interest is not being accrued, accruing loans that are 90 days or more delinquent and foreclosed property. Foreclosed property consists of real estate and other assets acquired as a result of a borrower’s loan default. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction of principal when received. In general, a nonaccrual loan may be placed back onto accruing status once the borrower has made a minimum of six consecutive payments in accordance with the loan terms. Further, the borrower must show capacity to continue performing into the future prior to restoration of accrual status. Assets acquired as a result of foreclosure are initially recorded at fair value less estimated selling costs at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Gains and losses on the sale of assets acquired through foreclosure and related revenue and expenses of these assets are included in noninterest expense in other real estate expenses, net.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. These analyses involve a high degree of judgment in estimating the amount of loss associated with specific loans, including estimating the amount and timing of future cash flows and collateral values. Impaired loans are evaluated for impairment using the discounted cash flow methodology or based on the net realizable value of the underlying collateral. Impaired loans are individually reviewed on a quarterly basis to determine the level of impairment. Factors considered by management in determining impaired loans include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan has impairment, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. For collateral-dependent loans, the measurement of impairment is based on the net investment of the loan compared to the fair value of the collateral less estimated selling costs. In most cases, the fair value of the collateral is based on appraised value. When appropriate, the fair value is based on the probable sales price of the collateral when sale of the collateral is imminent or contracted sales price if the collateral is subject to a binding sales contract as of the end of the quarter. The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The Company considers the actual loss history experience over the trailing twenty quarters to determine the historical loss experience used in the general component. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries for the most recent twenty quarters; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. While management uses the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic conditions differ substantially from the assumptions used in making the valuations or, if required by regulators, based upon information available to them at the time of their examinations. Such adjustments to original estimates, as necessary, are made in the period in which these factors and other relevant considerations indicate that loss levels may vary from previous estimates.
Business Combinations and Method of Accounting for Loans Acquired	Business Combinations and Method of Accounting for Loans Acquired The Company accounts for its acquisitions under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 805, Business Combinations There are two methods to account for acquired loans as part of a business combination. Acquired loans that contain evidence of credit deterioration on the date of purchase are carried at the net present value of expected future proceeds in accordance with ASC 310-30. All other acquired loans are recorded at their initial fair value, adjusted for subsequent advances, pay downs, amortization or accretion of any premium or discount on purchase, charge-offs and any other adjustment to carrying value in accordance with ASC 310-20. In determining the Day 1 fair values of acquired loans without evidence of credit deterioration at the date of acquisition, management includes (i) no carryover of any previously recorded allowance for loan losses and (ii) an adjustment of the unpaid principal balance to reflect an appropriate market rate of interest, given the risk profile and grade assigned to each loan. This adjustment will be accreted into earnings as a yield adjustment, using the effective yield method, over the remaining life of each loan. To the extent that current information indicates it is probable that the Company will collect all amounts according to the contractual terms thereof, such loan is not considered impaired. To the extent that current information indicates it is probable that the Company will not be able to collect all amounts according to the contractual terms thereon, such loan is considered impaired and is considered in the determination of the required level of allowance for loan and lease losses. Subsequent to the acquisition date, increases in cash flows expected to be received on purchased credit impaired loans in excess of the Company’s initial estimates are reclassified from nonaccretable difference to accretable yield and are accreted into interest income on a level-yield basis over the remaining life of the loan. Decreases in cash flows expected to be collected are recognized as impairment through the provision for loan losses.
Goodwill and Core Deposit Intangible	Goodwill and Core Deposit Intangible Goodwill represents the excess of the purchase price over the fair value of the net identifiable assets acquired in a business combination. Goodwill is not amortized but instead is subject to review for impairment annually, or more frequently if deemed necessary. Also in connection with business combinations, the Company records core deposit intangibles, representing the value of the acquired core deposit base. Core deposit intangibles are amortized over their estimated useful lives ranging up to 10
Mortgage Servicing Rights, Fees and Costs	Mortgage Servicing Rights, Fees and Costs The Company initially measures servicing assets and liabilities retained related to the sale of residential loans held for sale (“mortgage servicing rights”) at fair value, if practicable. For subsequent measurement purposes, the Company measures servicing assets and liabilities based on the lower of cost or market using the amortization method. Mortgage servicing rights are amortized in proportion to, and over the period of, estimated net servicing income. The amortization of the mortgage servicing rights is analyzed periodically and is adjusted to reflect changes in prepayment rates and other estimates. The Company evaluates potential impairment of mortgage servicing rights based on the difference between the carrying amount and current estimated fair value of the servicing rights. In determining impairment, the Company aggregates all servicing rights and stratifies them into tranches based on predominant risk characteristics. If impairment exists, a valuation allowance is established for any excess of amortized cost over the current estimated fair value by a charge to income. If the Company later determines that all or a portion of the impairment no longer exists for a particular tranche, a reduction of the allowance may be recorded as an increase to income. Service fee income is recorded for fees earned for servicing mortgage loans under servicing agreements with the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“FHLMC”), Government National Mortgage Association (“GNMA”) and certain private investors. The fees are based on a contractual percentage of the outstanding principal balance of the loans serviced and are recorded in noninterest income. Amortization of mortgage servicing rights and mortgage servicing costs are charged to expense when incurred.
Guarantees	Guarantees Standby letters of credit obligate the Company to meet certain financial obligations of its customers, under the contractual terms of the agreement, if the customers are unable to do so. Payment is only guaranteed under these letters of credit upon the borrower’s failure to perform its obligations to the beneficiary. The Company can seek recovery of the amounts paid from the borrower; however, these standby letters of credit are generally not collateralized. Commitments under standby letters of credit are usually one year or less. At December 31, 2019 and 2018, the Company had recorded no liability for the current carrying amount of the obligation to perform as a guarantor; as such amounts are not considered material.
Premises and Equipment, Net	Premises and Equipment, Net Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the asset’s estimated useful life. Estimated lives range up to forty years for buildings and improvements and up to ten years for furniture, fixtures and equipment. Maintenance and repairs are charged to expense as incurred. Improvements that extend the lives of the respective assets are capitalized. When property or equipment is sold or otherwise disposed of, the cost and related accumulated depreciation are removed from the respective accounts and the resulting gain or loss is reflected in income.
Income Taxes	Income Taxes The provision for income taxes is based upon income or loss before taxes for financial statement purposes, adjusted for nontaxable income and nondeductible expenses. Deferred income taxes have been provided when different accounting methods have been used in determining income for income tax purposes and for financial reporting purposes. Deferred tax assets and liabilities are recognized based on future tax consequences attributable to differences arising from the financial statement carrying values of assets and liabilities and their tax bases. In the event of changes in the tax laws, deferred tax assets and liabilities are adjusted in the period of the enactment of those changes, with the cumulative effects included in the current year’s income tax provision. Positions taken by the Company’s tax returns may be subject to challenge by the taxing authorities upon examination. The benefits of uncertain tax positions are initially recognized in the financial statements only when it is more likely than not the position will be sustained upon examination by the tax authorities. Such tax positions are both initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement with the tax authority, assuming full knowledge of the position and all relevant facts. The Company believes that its income tax filing positions taken or expected to be taken in its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company’s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain tax positions have been recorded. The Company’s federal income tax returns were not examined. Interest and penalties on income tax uncertainties are classified within income tax expense in the statement of operations. There were no significant interest and penalties paid on income tax uncertainties during 2019 or 2018. It is management’s belief that the realization of the remaining net deferred tax assets is more likely than not. Accordingly, no additional reserve was considered necessary. See Note 13 – Income Taxes for additional information.
Drafts Outstanding	Drafts Outstanding The Company invests excess funds on deposit at other banks (including amounts on deposit for payment of outstanding disbursement checks) on a daily basis in an overnight interest-bearing account. Accordingly, outstanding checks are reported as a liability.
Reserve for Mortgage Loan Repurchase Losses	Reserve for Mortgage Loan Repurchase Losses The Company sells mortgage loans to various third parties, including government-sponsored entities, under contractual provisions that include various representations and warranties that typically cover ownership of the loan, compliance with loan criteria set forth in the applicable agreement, validity of the lien securing the loan, absence of delinquent taxes or liens against the property securing the loan, and similar matters. The Company may be required to repurchase the mortgage loans with identified defects, indemnify the investor or insurer, or reimburse the investor for credit loss incurred on the loan (collectively “repurchase”) in the event of a material breach of such contractual representations or warranties. Risk associated with potential repurchases or other forms of settlement is managed through underwriting and quality assurance practices and by servicing mortgage loans to meet investor and secondary market standards. The Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management’s estimate of losses based on a combination of factors. Such factors incorporate estimated levels of defects on internal quality assurance, default expectations, historical investor repurchase demand and appeals success rates, reimbursement by correspondent and other third party originators, changes in the regulatory repurchase framework and projected loss severity. The Company establishes a reserve at the time loans are sold and quarterly updates the reserve estimate during the estimated loan life. The following table presents activity in the reserve for mortgage loan repurchase losses: For the Years Ended December 31, 2019 2018 2017 (In thousands) Beginning balance $ 1,292 1,892 2,880 Losses paid — — (88 ) Recovery of mortgage loan repurchase losses (400 ) (600 ) (900 ) Ending balance $ 892 1,292 1,892
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Off-Balance-Sheet Financial Instruments	Off-Balance-Sheet Financial Instruments In the ordinary course of business, the Company entered into off-balance-sheet financial instruments consisting of commitments to extend credit, commitments under revolving credit agreements, and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded.
Stock Compensation Plans	Stock Compensation Plans The Company can issue stock options, restricted stock, and restricted stock units under various plans to directors, officers and other key employees. The Company accounts for its stock compensation plans in accordance with ASC Topics 718 and 505. Under those provisions, the Company has adopted a fair value based method of accounting for employee stock compensation plans, whereby compensation cost is measured at the grant date based on the value of the award and is recognized on a straight-line basis over the service period, which is usually the vesting period, taking into account retirement eligibility. As a result, compensation expense relating to stock options and restricted stock is reflected in net income as part of “salaries and employee benefits” on the consolidated statements of operations.
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Common Share Basic earnings per share (“EPS”) represents income available to common stockholders divided by the weighted-average number of shares outstanding during the period. Diluted earnings per share reflects additional shares that would have been outstanding if dilutive potential shares had been issued. Potential shares that may be issued by the Company relate solely to outstanding stock options, restricted stock (non-vested shares), restricted stock units (“RSUs”) and warrants, and are determined using the treasury stock method. Under the treasury stock method, the number of incremental shares is determined by assuming the issuance of stock for the outstanding stock options, unvested restricted stock and RSUs, and warrants, reduced by the number of shares assumed to be repurchased from the issuance proceeds, using the average market price for the period of the Company’s stock. All share, earnings per share, and per share data have been retroactively adjusted to reflect the stock splits for all periods presented in accordance with GAAP.
Reclassification	Reclassification Certain reclassifications of accounts reported for previous periods have been made in these consolidated financial statements. Such reclassifications had no effect on stockholders’ equity or the net income as previously reported.
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements In July 2019, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) 2019-07 , Codification Updates to SEC Sections (“ASU 2019-07”) During the first quarter of 2019, the Company adopted ASU No. 2016-02, Leases (Topic 842) The Company adopted the guidance using the modified retrospective approach on January 1, 2019 and elected the practical expedients for transition including the transition option provided in ASU 2018-11, Leases (Topic 842) Targeted Improvements, Leases The Company implemented internal controls as well as lease accounting software to facilitate the preparation of financial information. The Company is largely accounting for existing operating leases consistent with prior guidance except for the incremental balance sheet recognition for leases. There was no cumulative effect adjustment to retained earnings as of January 1, 2019. On January 1, 2019, the Company recorded a ROU operating lease asset and corresponding operating lease liability of $18.4 million and $18.8 million, respectively, on the consolidated balance sheet. The new standard did not have a material impact on the Company’s results of operations or cash flows. During the first quarter of 2019, the Company adopted ASU No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities During the first quarter of 2019, the Company adopted ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Cost (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities During the first quarter of 2018, the Company adopted ASU No. 2016-01, Recognition and Measurement of Financial Assets and Liabilities. In May 2017, the FASB issued ASU No. 2017-09, Compensation-Stock Compensation (Topic 718) In March 2016, the FASB issued ASU No. 2016-08, Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net) Deposit service charges: Debit card income: The Company has evaluated ASU 2016-08 and 2014-09 and determined that this guidance did not have a material impact on the way the Company currently recognizes revenue or the way it recognizes expenses related to those revenue streams. The Company adopted ASU 2014-09 and its related amendments on its required effective date of January 1, 2018 utilizing the modified retrospective approach. Since there was no net income impact upon adoption of the new guidance, a cumulative effect adjustment to opening retained earnings was not deemed necessary. Consistent with the modified retrospective approach, the Company did not adjust prior period amounts. Recently Issued Accounting Pronouncements In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes (“ASU 2019-12”). In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses (Topic 326): Targeted Transition Relief (“ASU 2019-05”) In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments (“ASU 2019-04”) In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement In January 2017, the FASB issued ASU No. 2017-04, Intangible-Goodwill and other (Topic 350): Simplifying the Test for Goodwill Impairment In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“ASU 2016-13”) Throughout 2019, the Company worked with an outside consultant and undertook implementation efforts through its cross-functional implementation team. The team had assigned roles and responsibilities, key tasks to complete, and a timeline to be followed. The implementation team met periodically to discuss the latest developments and ensure progress was being made. The team also kept current on evolving interpretations and industry practices related to ASU 2016-13 via webcasts, publications, and conferences. The team has finalized the methodologies to be utilized, as well as the documentation, controls, processes and policies. Full end-to-end parallel runs were completed for the periods ended September 30, 2019 and December 31, 2019. We expect the adoption of ASU 2016-13 to result in the recognition of an incremental allowance for loan and lease losses of approximately $5.2 million as of the adoption date. Approximately $1.8 million of the incremental amount is expected to be related to the increase in the allowance for loan and lease losses related to purchased credit deteriorated loans (the “gross up”), which offsets loan marks at the adoption date. The cumulative-effect adjustment to retained earnings is expected to be approximately $2.6 million and the increase in the deferred tax asset is expected to be approximately $0.8 million. The Company does not expect any incremental allowance for credit losses on available-for-sale securities at adoption, primarily as the impairment was determined to not be credit related. The adoption of ASU 2016-13 is not expected to have a significant impact on our regulatory capital ratios. While the guidance changes the measurement of the allowance, it does not change the credit risk of the Company’s lending and securities portfolios or the ultimate losses in those portfolios. Future adjustments to the allowance under ASU 2016-13 will depend upon the nature and characteristics of the Company’s loan portfolio, the macroeconomic conditions and other management judgments. As a result, the magnitude of any such future adjustments are difficult to predict. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.
Risks and Uncertainties	Risks and Uncertainties In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk, and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or re-price at different speeds, or on a different basis, than its interest-earning assets. Credit risk is the risk of default on the loan portfolio or certain securities that results from borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company. The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. Periodic examinations by the regulatory agencies may subject the Company to further changes with respect to asset valuations, amounts of required loss allowances and operating restrictions from the regulators’ judgments based on information available to them at the time of their examination.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
The following table presents activity in the reserve for mortgage loan repurchase losses:	The following table presents activity in the reserve for mortgage loan repurchase losses:
Dislcosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	For the Years Ended December 31, 2019 2018 2017 (In thousands) Beginning balance $ 1,292 1,892 2,880 Losses paid — — (88 ) Recovery of mortgage loan repurchase losses (400 ) (600 ) (900 ) Ending balance $ 892 1,292 1,892

BUSINESS COMBINATIONS (Tables)

BUSINESS COMBINATIONS (Tables)	12 Months Ended
	Dec. 31, 2019
Acquisitions:
summary of total consideration paid by the Company at the acquisition date	The following table presents a summary of total consideration paid by the Company at the acquisition date
BUSINESS COMBINATIONS	Common stock issued ( 2,512,543 $ 108,617 Cash payments to common stockholders 9,836 Fair value of Carolina Trust stock options assumed 1,049 Total consideration paid $ 119,502
Schedule of loans acquired at the Acquisition date	The assets acquired and liabilities assumed from Carolina Trust were recorded at their fair value as of the closing date of the merger. Fair values were preliminary and subject to refinement for up to one year after the closing date of the acquisition as additional information regarding the closing date fair values became available. Goodwill of $56.7 million was recorded at the time of the acquisition. The following table summarizes the consideration paid by the Company in the merger with Carolina Trust and the amounts of the assets acquired and liabilities assumed recognized at the acquisition date. Schedule of loans acquired at the Acquisition date
BUSINESS COMBINATIONS (Details 2)	December 31, 2019 As Reported by Fair Value As Recorded by (In thousands) Assets Cash and cash equivalents $ 72,285 — 72,285 Securities available-for-sale 50,234 — 50,234 Federal Home Loan Bank stock 1,467 — 1,467 Loans receivable 484,384 (3,398 )(a) 480,986 Allowance for loan losses (4,040 ) 4,040 (b) — Premises and equipment 8,378 175 (c) 8,553 Foreclosed assets 808 (75 )(d) 733 Core deposit intangible 2,314 756 (e) 3,070 Deferred tax asset, net 923 152 (f) 1,075 Other assets 22,301 (5,708 )(g) 16,593 Total assets acquired $ 639,054 (4,058 ) 634,996 Liabilities Deposits $ 536,106 1,706 (h) 537,812 Borrowings 30,036 426 (i) 30,462 Other liabilities 3,888 (1 )(j) 3,887 Total liabilities assumed $ 570,030 2,131 572,161 Net identifiable assets acquired over liabilities assumed 62,835 Total consideration paid 119,502 Goodwill $ 56,667
total contractually required principal and interest payments, management’s estimate of expected total cash payments and fair value of loans	The table below summarizes the total contractually required principal and interest payments, management’s estimate of expected total cash payments and fair value of loans
BUSINESS COMBINATIONS (Details 3)	Contractual principal and interest at acquisition $ 29,408 Nonaccretable difference 3,901 Expected cash flows at acquisition 25,507 Accretable yield 3,040 Basis in PCI loans at acquisition - estimated fair value $ 22,467
Schedule of deposits acquired at the Acquisition date	The Company completed its acquisition of Carolina Trust on December 31, 2019. The table below presents unaudited supplemental pro forma information as if Carolina Trust acquisition had occurred at the beginning of the earliest period presented, which was January 1, 2017 and were included for all periods presented. 2017 reflects pro forma results as if the First South and Greer acquisitions had occurred at January 1, 2017. Pro forma results include adjustments for amortization and accretion of fair value adjustments and do not include any projected cost savings or other anticipated benefits of the merger. Therefore, the pro forma financial information is not indicative of the results of operations that would have occurred had the transactions been effected on the assumed date. Pre-tax merger-related costs of $2.8 million, $15.2 million and $8.3 million for the years ended December 31, 2019, 2018 and 2017, respectively, are included in the Company’s Consolidated Statements of Operations and are not included in the pro forma statements below. Schedule of deposits acquired at the Acquisition date
BUSINESS COMBINATIONS (Details 4)	For the Years Ended 2019 2018 2017 (In thousands, except share data) Net interest income $ 159,952 $ 149,585 $ 138,345 Net income (a) $ 69,973 $ 53,907 $ 44,760 Weighted average shares outstanding: Basic (b) 24,673,741 23,479,256 21,981,940 Diluted (b) 24,890,786 23,720,011 22,237,072 Earnings per common share: Basic $ 2.84 $ 2.30 $ 2.04 Diluted $ 2.81 $ 2.27 $ 2.01

CORE DEPOSIT INTANGIBLES (Table

CORE DEPOSIT INTANGIBLES (Tables)	12 Months Ended
	Dec. 31, 2019
Amortization expense (in thousands) for core deposit intangible is expected to be as follows	Amortization expense (in thousands) for core deposit intangible is expected to be as follows
CORE DEPOSIT INTANGIBLES	Year 1 $ 3,263 Year 2 2,953 Year 3 2,659 Year 4 2,369 Year 5 2,054 Thereafter 3,323 Total $ 16,621

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
The amortized cost, gross unrealized gains, gross unrealized losses and fair value of investment securities available-for-sale	The amortized cost, gross unrealized gains, gross unrealized losses and fair value of investment securities available-for-sale
SECURITIES	At December 31, 2019 2018 Gross Gross Gross Gross Amortized Unrealized Unrealized Fair Amortized Unrealized Unrealized Fair Cost Gains Losses Value Cost Gains Losses Value (In thousands) Securities available-for-sale: Municipal securities $ 210,810 8,332 (174 ) 218,968 212,215 2,768 (1,269 ) 213,714 US government agencies 23,968 — (45 ) 23,923 24,772 505 — 25,277 Collateralized loan obligations 301,249 28 (1,295 ) 299,982 231,172 119 (592 ) 230,699 Corporate securities 6,940 48 — 6,988 6,915 69 (24 ) 6,960 Mortgage-backed securities: Agency 164,114 2,845 (245 ) 166,714 199,518 427 (2,425 ) 197,520 Non-agency 150,019 1,987 (64 ) 151,942 158,803 423 (1,695 ) 157,531 Total mortgage-backed securities 314,133 4,832 (309 ) 318,656 358,321 850 (4,120 ) 355,051 Trust preferred securities 11,114 1,518 (1,914 ) 10,718 11,066 1,713 (1,679 ) 11,100 Total $ 868,214 14,758 (3,737 ) 879,235 844,461 6,024 (7,684 ) 842,801
The amortized cost and fair value of debt securities by contractual maturity	The amortized cost and fair value of debt securities by contractual maturity
SECURITIES (Details 2)	Amortized Fair Cost Value (In thousands) Securities available-for-sale: Less than one year $ 681 681 One to five years 22,199 22,295 Six to ten years 148,848 150,443 After ten years 696,486 705,816 Total $ 868,214 879,235
gross realized gains and losses from sales of investment securities available-for-sale	The following table summarizes the gross realized gains and losses from sales of investment securities available-for-sale
SECURITIES (Details 3)	For the Years Ended December 31, 2019 2018 (In thousands) Proceeds $ 151,389 135,681 Realized gains 4,155 494 Realized losses (264 ) (2,440 ) Total investment securities gains (losses), net $ 3,891 (1,946 )
gross unrealized losses on investment securities and the fair market value of the related securities	The following tables summarize gross unrealized losses on investment securities and the fair market value of the related securities
SECURITIES (Details 4)	At December 31, 2019 Less than 12 Months 12 Months or Greater Total Amortized Fair Unrealized Amortized Fair Unrealized Amortized Fair Unrealized Cost Value Losses Cost Value Losses Cost Value Losses (In thousands) Available-for-sale: Municipal securities $ 20,895 20,721 (174 ) — — — 20,895 20,721 (174 ) US government agencies 10,000 9,955 (45 ) — — — 10,000 9,955 (45 ) Collateralized loan obligations 101,801 101,504 (297 ) 121,478 120,480 (998 ) 223,279 221,984 (1,295 ) Corporate securities — — — — — — — — — Mortgage-backed securities: Agency 1,947 1,946 (1 ) 28,198 27,954 (244 ) 30,145 29,900 (245 ) Non-agency 16,141 16,102 (39 ) 1,723 1,698 (25 ) 17,864 17,800 (64 ) Total mortgage-backed securities 18,088 18,048 (40 ) 29,921 29,652 (269 ) 48,009 47,700 (309 ) Trust preferred securities — — — 8,112 6,198 (1,914 ) 8,112 6,198 (1,914 ) Total $ 150,784 150,228 (556 ) 159,511 156,330 (3,181 ) 310,295 306,558 (3,737 ) At December 31, 2018 Less than 12 Months 12 Months or Greater Total Amortized Fair Unrealized Amortized Fair Unrealized Amortized Fair Unrealized Cost Value Losses Cost Value Losses Cost Value Losses (In thousands) Available-for-sale: Municipal securities $ 12,395 12,331 (64 ) 55,189 53,984 (1,205 ) 67,584 66,315 (1,269 ) US government agencies — — — — — — — — — Collateralized loan obligations 146,913 146,344 (569 ) 5,000 4,977 (23 ) 151,913 151,321 (592 ) Corporate securities 2,980 2,956 (24 ) — — — 2,980 2,956 (24 ) Mortgage-backed securities: Agency 14,615 14,450 (165 ) 120,325 118,065 (2,260 ) 134,940 132,515 (2,425 ) Non-agency 71,376 70,709 (667 ) 43,138 42,110 (1,028 ) 114,514 112,819 (1,695 ) Total mortgage-backed securities 85,991 85,159 (832 ) 163,463 160,175 (3,288 ) 249,454 245,334 (4,120 ) Trust preferred securities — — — 8,214 6,535 (1,679 ) 8,214 6,535 (1,679 ) Total $ 248,279 246,790 (1,489 ) 231,866 225,671 (6,195 ) 480,145 472,461 (7,684 )
detail of non-marketable investments	The following table presents detail of non-marketable investments
SECURITIES (Details 5)	At December 31, 2019 2018 (In thousands) Community Reinvestment Act fund $ 2,405 2,334 Investment in Trust Preferred subsidiaries 1,116 1,116 Other investments 3,521 3,450 Federal Home Loan Bank stock, at cost 23,280 21,696 Total non-marketable Investments $ 26,801 25,146

DERIVATIVES (Tables)

DERIVATIVES (Tables)	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
The derivative positions of the Company	The derivative positions of the Company
DERIVATIVES	At December 31, 2019 2018 Fair Notional Fair Notional Value Value Value Value (In thousands) Derivative assets: Cash flow hedges: Interest rate swaps $ — — 1,232 45,000 Non-hedging derivatives: Interest rate swaps 138 35,000 1,198 50,000 Mortgage loan interest rate lock commitments 1,073 86,819 1,199 76,571 Mortgage loan forward sales commitments 580 26,240 403 13,241 Total derivative assets $ 1,791 148,059 4,032 184,812 Derivative liabilities: Cash flow hedges: Interest rate swaps $ 620 45,000 — — Non-hedging derivatives: Interest rate swaps 2,767 40,000 937 50,000 Mortgage-backed securities forward sales commitments 40 61,000 295 52,000 Total derivative liabilities $ 3,427 146,000 1,232 102,000

LOANS RECEIVABLE, NET (Tables)

LOANS RECEIVABLE, NET (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Loans receivable	Loans receivable
LOANS RECEIVABLE, NET	At December 31, 2019 2018 % of Total % of Total All Loans: Amount Loans Amount Loans (Dollars in thousands) Loans secured by real estate: One-to-four family $ 785,572 24.34 % 732,717 29.03 % Home equity 110,016 3.41 % 83,770 3.32 % Commercial real estate 1,394,626 43.20 % 1,034,117 40.96 % Construction and development 442,657 13.71 % 290,494 11.51 % Consumer loans 26,500 0.82 % 23,845 0.94 % Commercial business loans 468,566 14.52 % 359,393 14.24 % Total gross loans receivable 3,227,937 100.00 % 2,524,336 100.00 % Less: Allowance for loan losses 16,521 14,463 Total loans receivable, net $ 3,211,416 2,509,873
Loans receivable, net at December 31, 2019 and 2018 for purchased non-credit impaired loans and nonacquired loans	Loans receivable, net at December 31, 2019 and 2018 for purchased non-credit impaired loans and nonacquired loans
LOANS RECEIVABLE, NET (Details 2)	At December 31, 2019 2018 Purchased Non-Credit Impaired Loans % of Total % of Total (ASC 310-20) and Nonacquired Loans: Amount Loans Amount Loans (Dollars in thousands) Loans secured by real estate: One-to-four family $ 774,638 24.46 % 723,641 29.24 % Home equity 108,590 3.43 % 83,717 3.38 % Commercial real estate 1,364,052 43.08 % 1,004,420 40.59 % Construction and development 437,178 13.81 % 287,673 11.63 % Consumer loans 26,112 0.82 % 23,792 0.96 % Commercial business loans 456,112 14.40 % 351,194 14.20 % Total gross loans receivable 3,166,682 100.00 % 2,474,437 100.00 % Less: Allowance for loan losses 16,493 14,463 Total loans receivable, net $ 3,150,189 2,459,974
changes in the value of PCI loans	The table below presents changes in the value of PCI loans
LOANS RECEIVABLE, NET (Details 3)	At December 31, 2019 2018 (In thousands) Balance at beginning of period $ 49,899 78,415 Fair value of acquired loans 22,467 — Net reductions for payments, foreclosures, and accretion (11,111 ) (28,516 ) Balance at end of period $ 61,255 49,899
The composition of gross loans outstanding, net of undisbursed amounts, by rate type	The composition of gross loans outstanding, net of undisbursed amounts, by rate type
LOANS RECEIVABLE, NET (Details 4)	At December 31, 2019 2018 (Dollars in thousands) Variable rate loans $ 1,274,085 39.47 % 942,348 37.33 % Fixed rate loans 1,953,852 60.53 % 1,581,988 62.67 % Total loans outstanding $ 3,227,937 100.00 % 2,524,336 100.00 %
allowance for loan losses for the period indicated	The following table presents activity in the allowance for loan losses for the period indicated
LOANS RECEIVABLE, NET (Details 5)	At December 31, 2019 Loans Secured by Real Estate One-to- Commercial Construction four Home real and Commercial family equity estate development Consumer business Unallocated Total (In thousands) Allowance for loan losses: Balance at January 1, 2019 $ 3,540 203 5,097 1,969 352 2,940 362 14,463 Provision for loan losses - non PCI loans 105 94 993 344 195 546 275 2,552 Provision for loan losses - PCI loans 5 — 1 — — 22 — 28 Charge-offs (293 ) (78 ) (380 ) (19 ) (320 ) (145 ) — (1,235 ) Recoveries 174 6 35 248 165 85 — 713 Balance at December 31, 2019 $ 3,531 225 5,746 2,542 392 3,448 637 16,521
allowance for loan losses and recorded investment in loans by impairment methodology	The following table disaggregates our allowance for loan losses and recorded investment in loans by impairment methodology
LOANS RECEIVABLE, NET (Details 6)	Loans Secured by Real Estate One-to- Commercial Construction four Home real and Commercial family equity estate development Consumer business Unallocated Total (In thousands) At December 31, 2019: Allowance for loan losses ending balances: Individually evaluated for impairment $ 109 — 2 438 — 259 — 808 Collectively evaluated for impairment 3,417 225 5,743 2,104 392 3,167 637 15,685 Purchased credit impaired 5 — 1 — — 22 — 28 Total allowance for loan losses $ 3,531 225 5,746 2,542 392 3,448 637 16,521 At December 31, 2019: Loans receivable ending balances: Individually evaluated for impairment $ 5,558 98 20,174 3,539 12 5,469 — 34,850 Collectively evaluated for impairment 769,080 108,492 1,343,878 433,639 26,100 450,643 — 3,131,832 Purchased credit impaired 10,934 1,426 30,574 5,479 388 12,454 — 61,255 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 — 3,227,937 At December 31, 2018: Allowance for loan losses ending balances: Individually evaluated for impairment $ 176 — 145 515 — 24 — 860 Collectively evaluated for impairment 3,364 203 4,952 1,454 352 2,916 362 13,603 Total allowance for loan losses $ 3,540 203 5,097 1,969 352 2,940 362 14,463 At December 31, 2018: Loans receivable ending balances: Individually evaluated for impairment $ 4,687 249 5,105 1,866 31 2,853 — 14,791 Collectively evaluated for impairment 718,953 83,468 999,316 285,807 23,761 348,341 — 2,459,646 Purchased credit impaired loans 9,077 53 29,696 2,821 53 8,199 — 49,899 Total loans receivable $ 732,717 83,770 1,034,117 290,494 23,845 359,393 — 2,524,336
impaired loans individually evaluated for impairment in the segmented portfolio categories and the corresponding allowance for loan losses	The following table presents impaired loans individually evaluated for impairment in the segmented portfolio categories and the corresponding allowance for loan losses
LOANS RECEIVABLE, NET (Details 7)	At and for the Year Ended December 31, 2019 Unpaid Average Interest Recorded Principal Related Recorded Income Investment Balance Allowance Investment Recognized (In thousands) With no related allowance recorded: Loans secured by real estate: One-to-four family $ 4,928 4,989 — 3,916 105 Home equity 98 98 — 10 — Commercial real estate 18,837 19,028 — 7,881 1,414 Construction and development 2,047 2,047 — 690 56 Consumer loans 12 31 — 17 1 Commercial business loans 4,825 4,969 — 2,578 318 30,747 31,162 — 15,092 1,890 With an allowance recorded: Loans secured by real estate: One-to-four family 630 613 109 600 26 Home equity — — — — — Commercial real estate 1,337 1,337 2 1,363 76 Construction and development 1,492 1,492 438 1,297 5 Consumer loans — — — — — Commercial business loans 644 659 259 232 17 4,103 4,101 808 3,492 124 Total: Loans secured by real estate: One-to-four family 5,558 5,602 109 4,516 131 Home equity 98 98 — 10 — Commercial real estate 20,174 20,365 2 9,244 1,490 Construction and development 3,539 3,539 438 1,987 61 Consumer loans 12 31 — 17 1 Commercial business loans 5,469 5,628 259 2,810 335 $ 34,850 35,263 808 18,584 2,014
schedule is an aging of past due loans receivable by portfolio segment	A loan is considered past due if the required principal and interest payment has not been received as of the due date. The following schedule is an aging of past due loans receivable by portfolio segment
LOANS RECEIVABLE, NET (Details 8)	At December 31, 2019 Real Estate Loans One-to- Commercial Construction four Home real and Commercial All Loans: family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 569 352 6,952 215 145 174 8,407 60-89 days past due 1,783 141 642 425 99 502 3,592 90 days or more past due 2,858 98 9,348 1,176 10 239 13,729 Total past due 5,210 591 16,942 1,816 254 915 25,728 Current 780,362 109,425 1,377,684 440,841 26,246 467,651 3,202,209 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 3,227,937 At December 31, 2019 Purchased Non-Credit Real Estate Loans Impaired Loans One-to- Commercial Construction (ASC 310-20) and four Home real and Commercial Nonacquired Loans: family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 425 352 6,952 193 141 153 8,216 60-89 days past due 1,719 141 144 425 96 397 2,922 90 days or more past due 2,522 98 8,436 459 10 168 11,693 Total past due 4,747 591 15,532 1,077 247 718 22,912 Current 769,891 107,999 1,348,520 436,101 25,865 455,394 3,143,770 Total loans receivable $ 774,638 108,590 1,364,052 437,178 26,112 456,112 3,166,682 At December 31, 2019 Real Estate Loans One-to- Commercial Construction Purchased Credit Impaired four Home real and Commercial Loans (ASC 310-30): family equity estate development Consumer business Total (In thousands) 30-59 days past due $ 144 — — 22 4 21 191 60-89 days past due 64 — 498 — 3 105 670 90 days or more past due 255 — 912 717 — 71 1,955 Total past due 463 — 1,410 739 7 197 2,816 Current 10,471 1,426 29,164 4,740 381 12,257 58,439 Total loans receivable $ 10,934 1,426 30,574 5,479 388 12,454 61,255
schedule of non-PCI loans receivable, by portfolio segment, on nonaccrual	The following is a schedule of non-PCI loans receivable, by portfolio segment, on nonaccrual
LOANS RECEIVABLE, NET (Details 9)	At December 31, 2019 2018 (In thousands) Loans secured by real estate: One-to-four family $ 4,435 4,471 Home equity 98 454 Commercial real estate 15,783 3,663 Construction and development 3,270 1,675 Consumer loans 6 107 Commercial business loans 1,574 1,351 $ 25,166 11,721
schedule of the credit quality of loans receivable, by portfolio segment	The following is a schedule of the credit quality of loans receivable, by portfolio segment
LOANS RECEIVABLE, NET (Details 10)	At December 31, 2019 Real Estate Loans One-to- Commercial Construction four Home real and Commercial Total Loans: family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 776,545 108,512 1,361,058 434,486 26,015 455,756 3,162,372 Special Mention 1,865 1,334 11,445 4,122 266 7,720 26,752 Substandard 7,162 170 22,123 4,049 219 5,090 38,813 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 3,227,937 Performing $ 780,882 109,918 1,377,931 438,670 26,494 466,921 3,200,816 Nonperforming: 90 days past due still accruing 255 — 912 717 — 71 1,955 Nonaccrual 4,435 98 15,783 3,270 6 1,574 25,166 Total nonperforming 4,771 98 16,695 3,987 6 1,645 27,121 Total loans receivable $ 785,572 110,016 1,394,626 442,657 26,500 468,566 3,227,937 At December 31, 2019 Purchased Non-Credit Real Estate Loans Impaired Loans One-to- Commercial Construction (ASC 310-20) and four Home real and Commercial Nonacquired Loans: family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 770,068 108,492 1,345,054 432,475 25,996 447,327 3,129,412 Special Mention — — 2,601 1,432 102 4,241 8,376 Substandard 4,570 98 16,397 3,271 14 4,544 28,894 Total loans receivable $ 774,638 108,590 1,364,052 437,178 26,112 456,112 3,166,682 Performing $ 770,203 108,492 1,348,269 433,908 26,106 454,538 3,141,516 Nonperforming: 90 days past due still accruing — — — — — — — Nonaccrual 4,435 98 15,783 3,270 6 1,574 25,166 Total nonperforming 4,435 98 15,783 3,270 6 1,574 25,166 Total loans receivable $ 774,638 108,590 1,364,052 437,178 26,112 456,112 3,166,682 At December 31, 2019 Real Estate Loans One-to- Commercial Construction Purchased Credit Impaired four Home real and Commercial Loans (ASC 310-30): family equity estate development Consumer business Total (In thousands) Internal Risk Rating Grades: Pass $ 6,477 20 16,004 2,011 19 8,429 32,960 Special Mention 1,865 1,334 8,844 2,690 164 3,479 18,376 Substandard 2,592 72 5,726 778 205 546 9,919 Total loans receivable $ 10,934 1,426 30,574 5,479 388 12,454 61,255 Performing $ 10,679 1,426 29,662 4,762 388 12,383 59,300 Nonperforming: 90 days past due still accruing 255 — 912 717 — 71 1,955 Nonaccrual — — — — — — — Total nonperforming 255 — 912 717 — 71 1,955 Total loans receivable $ 10,934 1,426 30,574 5,479 388 12,454 61,255
Activity in loans to officers, directors and other related parties for the years ended December 31, 2019 and 2018 is summarized as follows:	Activity in loans to officers, directors and other related parties for the years ended December 31, 2019 and 2018 is summarized as follows:
LOANS RECEIVABLE, NET (Details 11)	At December 31, 2019 2018 (In thousands) Balance at beginning of year $ 17,691 12,902 New loans 10,435 16,363 Repayments (9,027 ) (11,574 ) Balance at end of year $ 19,099 17,691

PREMISES AND EQUIPMENT, NET (Ta

PREMISES AND EQUIPMENT, NET (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and equipment	Premises and equipment
PREMISES AND EQUIPMENT, NET	At December 31, 2019 2018 (In thousands) Land $ 19,166 15,093 Buildings 40,380 34,213 Furniture, fixtures and equipment 32,986 29,674 Construction in process 744 638 Total premises and equipment 93,276 79,618 Less: accumulated depreciation (22,574 ) (18,752 ) Premises and equipment, net $ 70,702 60,866

REAL ESTATE ACQUIRED THROUGH _2

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Tables)	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
summarized activity in real estate acquired through foreclosure	The following presents summarized activity in real estate acquired through foreclosure
REAL ESTATE ACQUIRED THROUGH FORECLOSURE	At December 31, 2019 2018 (In thousands) Balance at beginning of period $ 1,534 3,106 Additions 1,299 285 Acquisitions 733 — Sales and Paydowns (1,241 ) (1,731 ) Write downs — (126 ) Balance at end of period $ 2,325 1,534
summary of the composition of real estate acquired through foreclosure	A summary of the composition of real estate acquired through foreclosure
REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details 2)	At December 31, 2019 2018 (In thousands) Real estate owned: One-to-four family $ 755 204 Commercial real estate 784 — Construction and development 786 1,330 Total real estate owned $ 2,325 1,534

MORTGAGE SERVICING RIGHTS (Tabl

MORTGAGE SERVICING RIGHTS (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
summarizes the activity in mortgage servicing rights, along with the aggregate activity in the related valuation allowances	The following summarizes the activity in mortgage servicing rights, along with the aggregate activity in the related valuation allowances At December 31, 2019 2018 (In thousands) MSR beginning balance $ 32,933 21,003 Amount capitalized 1,368 6,283 Purchased servicing 461 9,853 Amount amortized (5,721 ) (4,206 ) MSR Impairment (3,100 ) — MSR ending balance $ 25,941 32,933
[custom:DisclosureMortgageServicingRightsDetailsAbstract]	At December 31, 2019 2018 (In thousands) MSR beginning balance $ 32,933 21,003 Amount capitalized 1,368 6,283 Purchased servicing 461 9,853 Amount amortized (5,721 ) (4,206 ) MSR Impairment (3,100 ) — MSR ending balance $ 25,941 32,933
MORTGAGE SERVICING RIGHTS (Details 2)	For the Years Ended December 31, 2019 2018 (In thousands) MSR valuation allowance beginning balance $ — — Increase (reduction) 3,100 — MSR valuation allowance ending balance $ 3,100 —
MORTGAGE SERVICING RIGHTS (Details 3)	Year 1 $ 5,580 Year 2 4,164 Year 3 3,905 Year 4 3,554 Year 5 3,259 Thereafter 5,479 Total $ 25,941

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
Deposits outstanding by type of account	Deposits outstanding by type of account
DEPOSITS	At December 31, 2019 2018 (In thousands) Noninterest-bearing demand accounts $ 668,616 547,022 Interest-bearing demand accounts 651,577 566,527 Savings accounts 218,786 192,322 Money market accounts 590,916 431,246 Certificates of deposit: Less than $250,000 1,159,978 875,749 $250,000 or more 118,488 105,327 Total certificates of deposit 1,278,466 981,076 Total deposits $ 3,408,361 2,718,193
The amounts and scheduled maturities of certificates of deposit	The amounts and scheduled maturities of certificates of deposit
DEPOSITS (Details 2)	At December 31, 2019 2018 (In thousands) Maturing within one year $ 963,450 684,031 Maturing one through three years 256,335 254,180 Maturing after three years 58,681 42,865 Total certificates of deposit $ 1,278,466 981,076

SHORT-TERM BORROWED FUNDS (Tabl

SHORT-TERM BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Short-term borrowed funds	Short-term borrowed funds
SHORT-TERM BORROWED FUNDS	At December 31, 2019 2018 Stated Interest Stated Interest Balance Rate Balance Rate (Dollars in thousands) Short-term FHLB advances $ 437,700 1.66% 2.02% 405,500 1.05% 2.78% Total short-term borrowed funds $ 437,700 405,500

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Long-term debt	Long-term debt
LONG-TERM DEBT	December 31, 2019 Stated Interest Balance Rate (Dollars in thousands) Long-term FHLB advances, due through 2028 $ 12,114 0.88% 2.39% Subordinated debentures, due 2026 through 2037 42,761 3.67% 6.90% Total long-term debt $ 54,875 December 31, 2018 Stated Interest Balance Rate (Dollars in thousands) Long-term FHLB advances, due through 2020 $ 27,000 1.72%-2.60% Subordinated debentures, due 2032 through 2037 32,436 4.25%-5.75% Total long-term debt $ 59,436
scheduled repayments of long-term debt	The following table presents the scheduled repayments of long-term debt
LONG-TERM DEBT (Details 2)	2020 — 2021 2,000 2022 6,038 2023 — 2024 — Thereafter 46,837 Total $ 54,875

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income tax expense	Income tax expense
INCOME TAXES	For the Years Ended December 31, 2019 2018 2017 (In thousands) Current income tax expense Federal $ 14,375 12,114 3,764 State 2,020 2,185 971 16,395 14,299 4,735 Deferred income tax expense (benefit) Federal 1,141 (1,219 ) 7,792 State 412 (311 ) 195 Deferred tax revaluation related to the 2017 Tax Act — — 239 1,553 (1,530 ) 8,226 Total income tax expense $ 17,948 12,769 12,961
reconciliation from expected Federal tax expense to actual income tax expense	A reconciliation from expected Federal tax expense to actual income tax expense 21% 21% 35%
INCOME TAXES (Details 2)	For the Years Ended December 31, 2019 2018 2017 (In thousands) Computed federal income taxes $ 16,944 13,112 14,534 State income tax, net of federal benefit 2,090 1,674 758 Tax exempt interest (1,195 ) (1,378 ) (1,667 ) Stock based compensation (77 ) (331 ) (1,514 ) Deferred tax revaluation related to the 2017 Tax Act — — 239 Other, net 186 (308 ) 611 Total income tax expense $ 17,948 12,769 12,961
summary of the tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities	The following is a summary of the tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities
INCOME TAXES (Details 3)	At December 31, 2019 2018 (In thousands) Deferred tax assets: Loan loss reserve $ 8,322 8,808 Unrealized loss on available-for-sale securities — 109 Net operating loss and credit carryforwards 1,813 2,943 Stock based compensation 1,080 808 Other 2,482 823 13,697 13,491 Valuation allowance (436 ) (618 ) Total gross deferred tax assets 13,261 12,873 Deferred tax liabilities: Depreciation (4,741 ) (3,393 ) Core deposit intangible (3,013 ) (2,932 ) Goodwill (295 ) (240 ) Transaction costs — — Unrealized gain on securities available-for-sale (2,763 ) — Other 14 (522 ) Total gross deferred tax liabilities (10,798 ) (7,087 ) Deferred tax assets, net $ 2,463 5,786

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
STOCK-BASED COMPENSATION	At and for the Years Ended December 31, 2019 2018 Weighted Weighted Average Average Exercise Exercise Shares Price Shares Price Outstanding at beginning of year 297,431 $ 11.12 312,382 $ 12.01 Granted — — 1,000 40.91 Acquired in a merger 34,624 12.93 — — Exercised (71,842 ) 13.37 (7,596 ) 18.71 Forfeited or expired — — (8,355 ) 40.79 Outstanding at end of year 260,213 $ 10.75 297,431 $ 11.12 Options exercisable at end of year 249,550 $ 9.96 263,114 $ 9.48
STOCK-BASED COMPENSATION (Details 2)	At December 31, 2019 Options Outstanding Options Exercisable Weighted Avg. Weighted Weighted Number Remaining Years Average Number Average Exercise Prices Outstanding Contractual Life Exercise Price Outstanding Exercise Price $4.17 111,778 3.3 $ 4.17 111,778 $ 4.17 $7.10 4,397 2.2 7.10 4,397 7.10 $8.54 6,576 4.3 8.54 6,576 8.54 $9.27 - $9.97 2,569 2.1 9.68 2,569 9.68 $10.20 - $10.66 4,794 1.5 10.50 4,794 10.50 $11.03 - $11.58 54,762 4.9 11.48 54,763 11.48 $12.88 2,279 3.4 12.88 2,279 12.88 $15.82 - $16.83 47,908 5.7 16.53 45,908 16.51 $17.17 - $18.13 4,450 4.8 17.54 4,450 17.54 $21.24 1,013 0.2 21.54 1,013 21.54 $30.90 18,687 7.1 30.90 11,023 30.90 $40.91 1,000 8.2 40.91 — — 260,213 4.3 $ 10.75 249,550 $ 9.96 At December 31, 2018 Options Outstanding Options Exercisable Weighted Avg. Weighted Weighted Number Remaining Years Average Number Average Exercise Prices Outstanding Contractual Life Exercise Price Outstanding Exercise Price $4.17 124,930 4.3 $ 4.17 124,930 $ 4.17 $8.14 10,127 3.2 8.14 10,127 8.14 $8.54 6,576 5.3 8.54 6,576 8.54 $9.97 - $10.66 7,596 2.2 10.52 7,596 10.52 $11.58 - $12.88 58,796 6.0 11.66 58,796 11.66 $15.82 - $16.83 54,781 7.0 16.56 36,791 16.54 $20.97 - $21.54 10,635 0.6 21.21 10,635 21.21 $30.90 22,990 8.1 30.90 7,663 30.90 $34.10 - $38.03 — — — — — $40.91 1,000 2.2 40.91 — — $42.28 - $42.56 — — — — — 297,431 5.2 $ 11.12 263,114 $ 9.48
STOCK-BASED COMPENSATION (Details 3)	2018 Dividend yield 0.5 % Expected life 6 years Expected volatility 44 % Risk-free interest rate 2.76 %

ESTIMATED FAIR VALUE OF FINAN_2

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and liabilities measured at fair value on a recurring basis
ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS	Quoted market Significant other Significant other price in active observable inputs unobservable inputs markets (Level 1) (Level 2) (Level 3) (In thousands) December 31, 2019 Available-for-sale investment securities: Municipal securities $ — 218,968 — US government agencies — 23,923 — Collateralized loan obligations — 299,982 — Corporate securities — 6,988 — Mortgage-backed securities: Agency — 166,714 — Non-agency — 151,942 — Trust preferred securities — 10,718 — Loans held for sale — 31,282 — Derivative assets: Non-hedging derivatives: Interest rate swaps 138 — — Mortgage loan interest rate lock commitments — 1,073 — Mortgage loan forward sales commitments — 580 — Derivative liabilities: Cash flow hedges Interest rate swaps 620 — — Non-hedging derivatives: Interest rate swaps 2,767 — — Mortgage-backed securities forward sales commitments — 40 — December 31, 2018 Available-for-sale investment securities: Municipal securities $ — 213,714 — US government agencies — 25,277 — Collateralized loan obligations — 230,699 — Corporate securities — 6,960 — Mortgage-backed securities: Agency — 197,520 — Non-agency — 157,531 — Trust preferred securities — 11,100 — Loans held for sale — 16,972 — Derivative assets: Cash flow hedges: Interest rate swaps 1,232 — — Non-hedging derivatives: Interest rate swaps 1,198 — — Mortgage loan interest rate lock commitments — 1,199 — Mortgage loan forward sales commitments — 403 — Derivative liabilities: Non-hedging derivatives: Interest rate swaps 937 — — Mortgage-backed securities forward sales commitments — 295 —
Assets measured at fair value on a nonrecurring basis	Assets measured at fair value on a nonrecurring basis
ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2)	Quoted market price Significant other Significant other in active markets observable inputs unobservable inputs (Level 1) (Level 2) (Level 3) (In thousands) December 31, 2019 Impaired loans: Loans secured by real estate: One-to-four family $ — — 5,449 Home equity — — 98 Commercial real estate — — 20,172 Construction and development — — 3,101 Consumer loans — — 12 Commercial business loans — — 5,210 Real estate owned: One-to-four family — — 755 Commercial real estate — — 784 Construction and development — — 786 Mortgage servicing rights — — 31,410 December 31, 2018 Impaired loans: Loans secured by real estate: One-to-four family $ — — 4,511 Home equity — — 249 Commercial real estate — — 4,960 Construction and development — — 1,351 Consumer loans — — 31 Commercial business loans — — 2,829 Real estate owned: One-to-four family — — 204 Construction and development — — 1,330 Mortgage servicing rights — — 40,880
For Level 3 assets and liabilities measured at fair value on a nonrecurring basis	For Level 3 assets and liabilities measured at fair value on a nonrecurring basis
ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3)	At December 31, 2019 and December 31, 2018 Significant Significant Unobservable Valuation Technique Observable Inputs Inputs Impaired loans Appraisal value Appraisals and or sales of comparable properties Appraisals discounted 10% 20% Real estate owned Appraisal value/ Comparison sales Appraisals and or sales of comparable properties Appraisals discounted 10% 20% Mortgage servicing rights Discounted cash flows Comparable sales Weighted average discount rates averaging 10% 12% Weighted average discount rates averaging 12% 13% Weighted average prepayment rates averaging 10% 12% Weighted average prepayment rates averaging 6% 7% Net servicing fee of 0.25% period presented Weighted average delinquency rates averaging 1.87% Weighted average delinquency rates averaging 2.34%
The carrying amount and estimated fair value of the Company’s financial instruments	The carrying amount and estimated fair value of the Company’s financial instruments
ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 4)	At December 31, 2019 Carrying Fair Value Amount Total Level 1 Level 2 Level 3 (In thousands) Financial assets: Cash and due from banks $ 41,411 41,411 41,411 — — Interest-bearing cash 91,792 91,792 91,792 — — Securities available-for-sale 879,235 879,235 — 879,235 — Federal Home Loan Bank stock, at cost 23,280 23,280 — — 23,280 Other investments 3,521 3,521 — — 3,521 Derivative assets 1,791 1,791 138 1,653 — Loans held for sale 31,282 31,282 — 31,282 — Loans receivable, net 3,211,416 3,214,179 — — 3,214,179 Accrued interest receivable 14,951 14,951 — 14,951 — Real estate acquired through foreclosure 2,325 2,325 — — 2,325 Mortgage servicing rights 25,941 31,410 — — 31,410 Financial liabilities: Deposits 3,408,361 3,413,608 — 3,413,608 — Short-term borrowed funds 437,700 437,669 — 437,669 — Long-term debt 54,875 54,215 — 54,215 — Derivative liabilities 3,427 3,427 3,387 40 — Drafts outstanding 8,193 8,193 — 8,193 — Advances from borrowers for insurance and taxes 3,288 3,288 — 3,288 — Accrued interest payable 2,450 2,450 — 2,450 — Dividends payable to stockholders 2,227 2,227 — 2,227 —
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]
Off-Balance Sheet Financial Instruments	At December 31, 2019 At December 31, 2018 Notional Estimated Notional Estimated Amount Fair Value Amount Fair Value (In thousands) Off-Balance Sheet Financial Instruments Commitments to extend credit $ 659,126 — 379,170 — Standby letters of credit 23,761 — 13,797 —

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings per common share:
summary of the reconciliation of average shares outstanding	The following is a summary of the reconciliation of average shares outstanding
EARNINGS PER COMMON SHARE	December 31, 2019 2018 2017 Basic Diluted Basic Diluted Basic Diluted Weighted average shares outstanding 22,168,082 22,168,082 21,756,595 21,756,595 16,317,501 16,317,501 Effect of dilutive securities — 217,045 — 216,262 — 232,856 Weighted average shares outstanding 22,168,082 22,385,127 21,756,595 21,972,857 16,317,501 16,550,357
reconciliation of shares issued and outstanding and unvested restricted stock awards	The following is a summary of the reconciliation of shares issued and outstanding and unvested restricted stock awards
EARNINGS PER COMMON SHARE (Details 2)	As of December 31, 2019 2018 2017 Issued and outstanding shares 24,777,608 22,387,009 21,022,202 Less nonvested restricted stock awards (112,549 ) (117,966 ) (134,302 ) Period end dilutive shares 24,665,059 22,269,043 20,887,900

CAPITAL REQUIREMENTS AND OTHE_2

CAPITAL REQUIREMENTS AND OTHER RESTRICTIONS (Tables)	12 Months Ended
	Dec. 31, 2019
Banking and Thrift [Abstract]
actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the Company	The actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the Company
CAPITAL REQUIREMENTS AND OTHER RESTRICTIONS	To Be Well Minimum Capital Minimum Capital Capitalized Under Required - Basel III Required - Basel III Prompt Corrective Actual Phase-In Schedule Fully Phased-In Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019 Carolina Financial Corporation CET1 capital (to risk weighted assets) $ 534,742 15.10 % 247,915 7.000 % 247,915 7.000 % N/A N/A Tier 1 capital (to risk weighted assets) 566,240 15.99 % 301,040 8.500 % 301,040 8.500 % N/A N/A Total capital (to risk weighted assets) 592,908 16.74 % 371,873 10.500 % 371,873 10.500 % N/A N/A Tier 1 capital (to total average assets) 566,240 15.03 % 150,695 4.000 % 150,695 4.000 % N/A N/A CresCom Bank CET1 capital (to risk weighted assets) 580,752 16.41 % 247,744 7.000 % 247,744 7.000 % 230,048 6.50 % Tier 1 capital (to risk weighted assets) 580,752 16.41 % 300,832 8.500 % 300,832 8.500 % 283,136 8.00 % Total capital (to risk weighted assets) 597,273 16.88 % 371,616 10.500 % 371,616 10.500 % 353,920 10.00 % Tier 1 capital (to total average assets) 580,752 15.42 % 150,663 4.000 % 150,663 4.000 % 188,329 5.00 %

SUPPLEMENTAL SEGMENT INFORMAT_2

SUPPLEMENTAL SEGMENT INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
selected financial information for the Company’s reportable business segments	The following tables present selected financial information for the Company’s reportable business segments
SUPPLEMENTAL SEGMENT INFORMATION	Community Mortgage For the Year Ended December 31, 2019 Banking Banking Other Eliminations Total (In thousands) Interest income $ 175,726 1,695 59 (364 ) 177,116 Interest expense 35,736 483 2,138 (491 ) 37,866 Net interest income (expense) 139,990 1,212 (2,079 ) 127 139,250 Provision for (recovery of) loan losses 2,709 (129 ) — — 2,580 Noninterest income from external customers 21,384 25,652 74 — 47,110 Intersegment noninterest income 966 17 — (983 ) — Noninterest expense 77,921 24,004 1,167 — 103,092 Intersegment noninterest expense — 960 6 (966 ) — Income (loss) before income taxes 81,710 2,046 (3,178 ) 110 80,688 Income tax expense (benefit) 18,328 474 (879 ) 25 17,948 Net income (loss) $ 63,382 1,572 (2,299 ) 85 62,740 Assets $ 4,707,151 75,719 790,017 (864,014 ) 4,708,873 Loans receivable, net 3,202,616 14,266 — (5,466 ) 3,211,416 Loans held for sale 996 30,286 — — 31,282 Deposits 3,418,646 — — (10,285 ) 3,408,361 Borrowed funds 449,814 5,100 42,761 (5,100 ) 492,575

SUMMARIZED QUARTERLY INFORMAT_2

SUMMARIZED QUARTERLY INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information [Table Text Block]
SUMMARIZED QUARTERLY INFORMATION (UNAUDITED)	2019 Quarter Ended (unaudited) 4th 3rd 2nd 1st Quarter Quarter Quarter Quarter (In thousands) Interest income $ 44,386 45,814 44,135 42,781 Interest expense 9,073 9,631 9,852 9,310 Net interest income 35,313 36,183 34,283 33,471 Provision for loan losses 580 620 680 700 Noninterest income 13,291 12,716 11,231 9,871 Noninterest expense 26,559 26,907 25,478 24,147 Income before income taxes 21,465 21,372 19,356 18,495 Income tax expense 4,972 4,744 4,282 3,950 Net income $ 16,493 16,628 15,074 14,545 Earnings per common share: Basic $ 0.74 $ 0.75 $ 0.68 $ 0.66 Diluted $ 0.74 $ 0.74 $ 0.67 $ 0.65 2018 Quarter Ended (unaudited) 4th 3rd 2nd 1st Quarter Quarter Quarter Quarter (In thousands) Interest income $ 42,919 40,985 39,477 37,676 Interest expense 8,027 7,102 6,572 5,545 Net interest income 34,892 33,883 32,905 32,131 Provision for loan losses 750 750 559 — Noninterest income 8,520 10,300 11,027 10,048 Noninterest expense 23,237 24,002 24,371 37,598 Income before income taxes 19,425 19,431 19,002 4,581 Income tax expense 3,981 4,227 4,036 525 Net income $ 15,444 15,204 14,966 4,056 Earnings per common share: Basic $ 0.69 $ 0.67 $ 0.70 $ 0.19 Diluted $ 0.68 $ 0.66 $ 0.70 $ 0.19

PARENT COMPANY FINANCIAL INFO_2

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
The condensed financial statements for the parent company are presented below:	The condensed financial statements for the parent company are presented below:
Condensed Statements of Operations	Carolina Financial Corporation Condensed Statements of Operations For the Years Ended December 31, 2019 2018 2017 (In thousands) Interest income $ 60 56 31 Total income 60 56 31 Interest expense 2,138 2,025 1,152 General and administrative expenses 1,100 1,013 932 Total expenses 3,238 3,038 2,084 (Loss) before income taxes and equity in undistributed earnings of subsidiaries (3,178 ) (2,982 ) (2,053 ) Income tax expense (benefit) (879 ) (716 ) (1,267 ) (Loss) before equity in undistributed earnings of subsidiaries (2,299 ) (2,266 ) (786 ) Equity in undistributed earnings of CresCom Bank 65,039 51,936 29,351 Total equity in undistributed earnings of subsidiaries 65,039 51,936 29,351 Net income $ 62,740 49,670 28,565
Condensed Balance Sheets	Carolina Financial Corporation Condensed Balance Sheets
PARENT COMPANY FINANCIAL INFORMATION (Details 2)	At December 31, 2019 2018 (In thousands) Assets: Cash and cash equivalents $ 8,499 5,371 Investment in bank subsidiary 790,566 597,899 Investment in unconsolidated statutory business trusts 1,116 1,116 Securities available-for-sale 1 1 Other assets 922 7,047 Total assets $ 801,104 611,434 Liabilities and stockholders' equity: Accrued expenses and other liabilities $ 14,903 3,713 Long-term debt 42,761 32,436 Stockholders' equity 743,440 575,285 Total liabilities and stockholders' equity $ 801,104 611,434
Condensed Statements of Cash Flows	Carolina Financial Corporation Condensed Statements of Cash Flows
PARENT COMPANY FINANCIAL INFORMATION (Details 3)	For the Years Ended December 31, 2019 2018 2017 (In thousands) Cash flows from operating activities: Net income $ 62,740 49,670 28,565 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings in subsidiaries (65,039 ) (51,936 ) (29,351 ) Stock-based compensation 3,143 2,700 1,658 Vested stock awards surrendered in cashless exercise (1,496 ) (774 ) (1,789 ) Decrease (increase) in other assets 6,452 (5,423 ) 1,053 Increase (decrease) in other liabilities 4 1,581 (3,456 ) Net cash provided by (used in) operating activities 5,804 (4,182 ) (3,320 ) Cash flows from investing activities: Equity contribution in bank subsidiaries — (60,000 ) (35,000 ) Sales and maturities of available for sale securities — 500 — Sale or repayment of investments to subsidiaries 9,000 12,000 — Net cash (paid) received from acquisitions 2,375 — (6,016 ) Net cash provided by (used in) investing activities 11,375 (47,500 ) (41,016 ) Cash flows from financing activities: Issuance of common stock, net of offering expenses 124 63,022 47,671 Stock options exercised 961 56 10 Stock repurchase plan, net of commission (7,115 ) (5,381 ) — Excess tax benefit in connection with equity awards — — 439 Cash dividends paid on common stock (8,021 ) (5,563 ) (2,371 ) Net cash (used in) provided by financing activities (14,051 ) 52,134 45,749 Net increase in cash and cash equivalents 3,128 452 1,413 Cash and cash equivalents, beginning of period 5,371 4,919 3,506 Cash and cash equivalents, end of period $ 8,499 5,371 4,919

Dislcosure - SUMMARY OF SIGNIFI

Dislcosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounting Policies [Abstract]
Beginning balance	$ 1,292	$ 1,892	$ 2,880
Losses paid			(88)
Recovery of mortgage loan repurchase losses	(400)	(600)	(900)
Ending balance	$ 892	$ 1,292	$ 1,892

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) - USD ($) $ / shares in Units, $ in Thousands	Jan. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Entity Listings [Line Items]
Value of common stock issued to company		$ 248	$ 224
Core deposit intangibles, Useful Life		10 years
Subsequent Event [Member]
Entity Listings [Line Items]
Dividend per common share	$ 0.10
Statutory Business Trusts [Member]
Entity Listings [Line Items]
Principal amount owed		$ 36,000
Principal assets of the Trusts		37,100
Value of common stock issued to company		$ 1,100

BUSINESS COMBINATIONS (Details)

BUSINESS COMBINATIONS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Common stock issued (2,512,543 shares at $43.23 per share)	$ 248	$ 224
Common stock issues, Shares	24,777,608	22,387,009
Carolina Trust Bancshares, Inc. [Member]
Business Acquisition [Line Items]
Common stock issued (2,512,543 shares at $43.23 per share)	$ 108,617
Common stock issues, Shares	2,512,543
Cash payments to common stockholders	$ 9,836
Fair value of Carolina Trust stock options assumed	1,049
Total consideration paid	$ 119,502

BUSINESS COMBINATIONS (Details

BUSINESS COMBINATIONS (Details 2) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Liabilities
Goodwill		$ 184,259	$ 127,592
Carolina Trust Bancshares, Inc. [Member]
Assets
Cash and cash equivalents		72,285
Securities available-for-sale		50,234
Federal Home Loan Bank stock		1,467
Loans receivable		484,384
Allowance for loan losses		(4,040)
Premises and equipment		8,378
Foreclosed assets		808
Core deposit intangible		2,314
Deferred tax asset, net		923
Other assets		22,301
Total assets acquired		639,054
Liabilities
Deposits		536,106
Borrowings		30,036
Other liabilities		3,888
Total liabilities assumed		570,030
Fair Value Adjustments [Member]
Assets
Cash and cash equivalents
Securities available-for-sale
Federal Home Loan Bank stock
Loans receivable	[1]	(3,398)
Allowance for loan losses	[2]	4,040
Premises and equipment	[3]	175
Foreclosed assets	[4]	(75)
Core deposit intangible	[5]	756
Deferred tax asset, net	[6]	152
Other assets	[7]	(5,708)
Total assets acquired		(4,058)
Liabilities
Deposits	[8]	1,706
Borrowings	[9]	426
Other liabilities	[10]	(1)
Total liabilities assumed		2,131
As Recorded by the Company [Member]
Assets
Cash and cash equivalents		72,285
Securities available-for-sale		50,234
Federal Home Loan Bank stock		1,467
Loans receivable		480,986
Allowance for loan losses
Premises and equipment		8,553
Foreclosed assets		733
Core deposit intangible		3,070
Deferred tax asset, net		1,075
Other assets		16,593
Total assets acquired		634,996
Liabilities
Deposits		537,812
Borrowings		30,462
Other liabilities		3,887
Total liabilities assumed		572,161
Net identifiable assets acquired over liabilities assumed		62,835
Total consideration paid		119,502
Goodwill		$ 56,667
[1]	Represents the amount necessary to adjust loans to their fair value due to interest rate and credit factors.
[2]	Reflects the elimination of Carolina Trust's historical allowance for loan losses.
[3]	Reflects fair value adjustments on acquired branch and administrative offices based on the Company's assessment.
[4]	Reflects the impact of acquisition accounting fair value adjustments.
[5]	Reflects the fair value adjustment to record the estimated core deposit intangible based on the Company's assessment.
[6]	Reflects the tax impact of acquisition accounting fair value adjustments.
[7]	Reflects the elimination of Carolina Trust’s historical goodwill.
[8]	Represents the fair value adjustment due to interest rate factors.
[9]	Represents the fair value adjustment due to interest rate factors.
[10]	Reflects the fair value adjustment based on the Company's evaluation of acquired other liabilities.

BUSINESS COMBINATIONS (Detail_2

BUSINESS COMBINATIONS (Details 3) - Carolina Trust Bancshares, Inc. [Member] $ in Thousands	Dec. 31, 2019USD ($)
Business Acquisition [Line Items]
Contractual principal and interest at acquisition	$ 29,408
Nonaccretable difference	3,901
Expected cash flows at acquisition	25,507
Accretable yield	3,040
Basis in PCI loans at acquisition - estimated fair value	$ 22,467

BUSINESS COMBINATIONS (Detail_3

BUSINESS COMBINATIONS (Details 4) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Net interest income		$ 35,313	$ 36,183	$ 34,283	$ 33,471	$ 34,892	$ 33,883	$ 32,905	$ 32,131	$ 139,250	$ 133,810	$ 81,834
Net income (a)		$ 16,493	$ 16,628	$ 15,074	$ 14,545	$ 15,444	$ 15,204	$ 14,966	$ 4,056	$ 62,740	$ 49,670	$ 28,565
Weighted average shares outstanding:
Basic (b)										22,168,082	21,756,595	16,317,501
Diluted (b)										22,385,127	21,972,857	16,550,357
Earnings per common share:
Basic		$ 0.74	$ 0.75	$ 0.68	$ 0.66	$ 0.69	$ 0.67	$ 0.70	$ 0.19	$ 2.83	$ 2.28	$ 1.75
Diluted		$ 0.74	$ 0.74	$ 0.67	$ 0.65	$ 0.68	$ 0.66	$ 0.70	$ 0.19	$ 2.80	$ 2.26	$ 1.73
Supplemental Pro Forma Information [Member]
Business Acquisition [Line Items]
Net interest income										$ 159,952	$ 149,585	$ 138,345
Net income (a)	[1]									$ 69,973	$ 53,907	$ 44,760
Weighted average shares outstanding:
Basic (b)	[2]									24,673,741	23,479,256	21,981,940
Diluted (b)	[2]									24,890,786	23,720,011	22,237,072
Earnings per common share:
Basic										$ 2.84	$ 2.30	$ 2.04
Diluted										$ 2.81	$ 2.27	$ 2.01
[1]	Supplemental pro forma net income includes the impact of certain fair value adjustments. Supplemental pro forma net income does not include assumptions on cost saves or impact of merger related expenses.
[2]	Weighted average shares outstanding include the full effect of the common stock issued in connection with the Carolina Trust acquisition as of the earliest reporting date.

CORE DEPOSIT INTANGIBLES (Detai

CORE DEPOSIT INTANGIBLES (Details) $ in Thousands	Dec. 31, 2019USD ($)
Year 1	$ 3,263
Year 2	2,953
Year 3	2,659
Year 4	2,369
Year 5	2,054
Thereafter	3,323
Total	$ 16,621

SECURITIES (Details)

SECURITIES (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	$ 868,214	$ 844,461
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	14,758	6,024
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(3,737)	(7,684)
Available-for-sale Securities	879,235	842,801
US States and Political Subdivisions Debt Securities [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	210,810	212,215
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	8,332	2,768
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(174)	(1,269)
Available-for-sale Securities	218,968	213,714
US Government Agencies Debt Securities [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	23,968	24,772
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]		505
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(45)
Available-for-sale Securities	23,923	25,277
Collateralized Loan Obligations [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	301,249	231,172
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	28	119
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(1,295)	(592)
Available-for-sale Securities	299,982	230,699
Corporate Debt Securities [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	6,940	6,915
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	48	69
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]		(24)
Available-for-sale Securities	6,988	6,960
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	164,114	199,518
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	2,845	427
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(245)	(2,425)
Available-for-sale Securities	166,714	197,520
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	150,019	158,803
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	1,987	423
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(64)	(1,695)
Available-for-sale Securities	151,942	157,531
Collateralized Mortgage Backed Securities [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	314,133	358,321
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	4,832	850
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(309)	(4,120)
Available-for-sale Securities	318,656	355,051
Asset-backed Securities, Securitized Loans and Receivables [Member]
Marketable Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	11,114	11,066
[custom:AvailableForSaleDebtSecuritiesGrossUnrealizedGainAccumulatedInInvestments-0]	1,518	1,713
[custom:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments-0]	(1,914)	(1,679)
Available-for-sale Securities	$ 10,718	$ 11,100

SECURITIES (Details 2)

SECURITIES (Details 2) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Amortized Cost	$ 681
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, within One Year, Fair Value	681
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Amortized Cost	22,199
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	22,295
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Amortized Cost	148,848
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	150,443
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	696,486
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	705,816
Available-for-sale Securities, Amortized Cost Basis	868,214	$ 844,461
Available-for-sale Securities	$ 879,235	$ 842,801

SECURITIES (Details 3)

SECURITIES (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Proceeds	$ 151,389	$ 135,681
Realized gains	4,155	494
Realized losses	(264)	(2,440)
Total investment securities gains (losses), net	$ 3,891	$ (1,946)

SECURITIES (Details 4)

SECURITIES (Details 4) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	$ 150,784	$ 248,279
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	150,228	246,790
Less than 12 Months, Unrealized Losses	(556)	(1,489)
Greater than 12 Months, Amortized Cost	159,511	231,866
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	156,330	225,671
Greater than 12 Months, Unrealized Losses	(3,181)	(6,195)
Total, Amortized Cost	310,295	480,145
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	306,558	472,461
Total, Unrealized Losses	(3,737)	(7,684)
US States and Political Subdivisions Debt Securities [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	20,895	12,395
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	20,721	12,331
Less than 12 Months, Unrealized Losses	(174)	(64)
Greater than 12 Months, Amortized Cost		55,189
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		53,984
Greater than 12 Months, Unrealized Losses		(1,205)
Total, Amortized Cost	20,895	67,584
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	20,721	66,315
Total, Unrealized Losses	(174)	(1,269)
US Government Agencies Debt Securities [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	10,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	9,955
Less than 12 Months, Unrealized Losses	(45)
Greater than 12 Months, Amortized Cost
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value
Greater than 12 Months, Unrealized Losses
Total, Amortized Cost	10,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	9,955
Total, Unrealized Losses	(45)
Collateralized Loan Obligations [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	101,801	146,913
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	101,504	146,344
Less than 12 Months, Unrealized Losses	(297)	(569)
Greater than 12 Months, Amortized Cost	121,478	5,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	120,480	4,977
Greater than 12 Months, Unrealized Losses	(998)	(23)
Total, Amortized Cost	223,279	151,913
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	221,984	151,321
Total, Unrealized Losses	(1,295)	(592)
Corporate Debt Securities [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost		2,980
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		2,956
Less than 12 Months, Unrealized Losses		(24)
Greater than 12 Months, Amortized Cost
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value
Greater than 12 Months, Unrealized Losses
Total, Amortized Cost		2,980
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		2,956
Total, Unrealized Losses		(24)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	1,947	14,615
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	1,946	14,450
Less than 12 Months, Unrealized Losses	(1)	(165)
Greater than 12 Months, Amortized Cost	28,198	120,325
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	27,954	118,065
Greater than 12 Months, Unrealized Losses	(244)	(2,260)
Total, Amortized Cost	30,145	134,940
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	29,900	132,515
Total, Unrealized Losses	(245)	(2,425)
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	16,141	71,376
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	16,102	70,709
Less than 12 Months, Unrealized Losses	(39)	(667)
Greater than 12 Months, Amortized Cost	1,723	43,138
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	1,698	42,110
Greater than 12 Months, Unrealized Losses	(25)	(1,028)
Total, Amortized Cost	17,864	114,514
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	17,800	112,819
Total, Unrealized Losses	(64)	(1,695)
Collateralized Mortgage Backed Securities [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost	18,088	85,991
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	18,048	85,159
Less than 12 Months, Unrealized Losses	(40)	(832)
Greater than 12 Months, Amortized Cost	29,921	163,463
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	29,652	160,175
Greater than 12 Months, Unrealized Losses	(269)	(3,288)
Total, Amortized Cost	48,009	249,454
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	47,700	245,334
Total, Unrealized Losses	(309)	(4,120)
Asset-backed Securities, Securitized Loans and Receivables [Member]
Marketable Securities [Line Items]
Less than 12 Months, Amortized Cost
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value
Less than 12 Months, Unrealized Losses
Greater than 12 Months, Amortized Cost	8,112	8,214
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,198	6,535
Greater than 12 Months, Unrealized Losses	(1,914)	(1,679)
Total, Amortized Cost	8,112	8,214
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,198	6,535
Total, Unrealized Losses	$ (1,914)	$ (1,679)

SECURITIES (Details 5)

SECURITIES (Details 5) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Community Reinvestment Act fund	$ 2,405	$ 2,334
Investment in Trust Preferred subsidiaries	1,116	1,116
Other investments	3,521	3,450
Federal Home Loan Bank stock, at cost	23,280	21,696
Total non-marketable Investments	$ 26,801	$ 25,146

SECURITIES (Details Narrative)

SECURITIES (Details Narrative) $ in Thousands	Dec. 31, 2019USD ($)Item	Dec. 31, 2018USD ($)Item	Dec. 31, 2017Item
Investments, Debt and Equity Securities [Abstract]
Available for Sale Securities pledged for FHLB advances	$ 29,800	$ 84,300
Available for Sale Securities pledged to secure public agency funds	$ 141,600	$ 165,500
Available-for-sale, Securities in Unrealized Loss Positions, Number of Positions | Item	79	214	135

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments in Hedges, Assets, at Fair Value	$ 1,791	$ 4,032
Notional Value, Assets	148,059	184,812
Derivative Instruments in Hedges, Liabilities, at Fair Value	3,427	1,232
Notional Value, Liability	146,000	102,000
Designated as Hedging Instrument [Member] | Interest Rate Swaps [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments in Hedges, Assets, at Fair Value	138	1,198
Notional Value, Assets	35,000	50,000
Derivative Instruments in Hedges, Liabilities, at Fair Value	2,767	937
Notional Value, Liability	40,000	50,000
Designated as Hedging Instrument [Member] | Interest Rate Lock Commitments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments in Hedges, Assets, at Fair Value	1,073	1,199
Notional Value, Assets	86,819	76,571
Designated as Hedging Instrument [Member] | Mortgage loan forward sales commitments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments in Hedges, Assets, at Fair Value	580	403
Notional Value, Assets	26,240	13,241
Designated as Hedging Instrument [Member] | Mortgage-backed securities forward sales commitments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments in Hedges, Liabilities, at Fair Value	40	295
Notional Value, Liability	61,000	52,000
Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instruments in Hedges, Assets, at Fair Value		1,232
Notional Value, Assets		45,000
Derivative Instruments in Hedges, Liabilities, at Fair Value	620
Notional Value, Liability	$ 45,000

LOANS RECEIVABLE, NET (Details)

LOANS RECEIVABLE, NET (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 3,227,937	$ 2,524,336
Percentage of Total Loan	10000.00%	10000.00%
Allowance for loan losses	$ 16,521	$ 14,463	$ 11,478	$ 10,688
Total loans receivable, net	3,211,416	2,509,873	2,308,050
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 26,500	$ 23,845
Percentage of Total Loan	82.00%	94.00%
Allowance for loan losses	$ 392	$ 352	79	80
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 468,566	$ 359,393
Percentage of Total Loan	1452.00%	1424.00%
Allowance for loan losses	$ 3,448	$ 2,940	2,840	2,805
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 785,572	$ 732,717
Percentage of Total Loan	2434.00%	2903.00%
Allowance for loan losses	$ 3,531	$ 3,540	2,719	2,636
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 110,016	$ 83,770
Percentage of Total Loan	341.00%	332.00%
Allowance for loan losses	$ 225	$ 203	168	197
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 1,394,626	$ 1,034,117
Percentage of Total Loan	4320.00%	4096.00%
Allowance for loan losses	$ 5,746	$ 5,097	3,986	3,344
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 442,657	$ 290,494
Percentage of Total Loan	1371.00%	1151.00%
Allowance for loan losses	$ 2,542	$ 1,969	$ 1,201	$ 1,132

LOANS RECEIVABLE, NET (Details

LOANS RECEIVABLE, NET (Details 2) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Jun. 30, 2018USD ($)	Dec. 31, 2017USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 3,166,682	$ 2,474,437
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	100	100
Allowance for loan losses	$ 16,493	$ 14,463
Total loans receivable, net	3,150,189	2,459,974
Total gross loans receivable	$ 61,255	$ 49,899	$ 49,899	$ 78,415
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	1	1
Allowance for loan losses	$ 28
Total loans receivable, net	61,227	49,899
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 26,112	$ 23,792
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	0.0082	0.0096
Total gross loans receivable	$ 388	$ 53
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	0.0063	0.0011
Allowance for loan losses
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 456,112	$ 351,194
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	0.1440	0.1420
Total gross loans receivable	$ 12,454	$ 8,199
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	0.2033	0.1643
Allowance for loan losses	$ 22
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 774,638	$ 723,641
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	0.2446	0.2924
Total gross loans receivable	$ 10,934	$ 9,077
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	0.1785	0.1819
Allowance for loan losses	$ 5
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 108,590	$ 83,717
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	0.0343	0.0338
Total gross loans receivable	$ 1,426	$ 53
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	0.0234	0.0011
Allowance for loan losses
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 1,364,052	$ 1,004,420
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	0.4308	0.4059
Total gross loans receivable	$ 30,574	$ 29,696
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	0.4991	0.5951
Allowance for loan losses	$ 1
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans receivable	$ 437,178	$ 287,673
Percentage of Total Purchased Non-Credit Impaired Loans and Nonacquired Loans	0.1381	0.1163
Total gross loans receivable	$ 5,479	$ 2,821
[custom:PercentageOfPurchasedCreditImpairedLoans-0]	0.0894	0.0565
Allowance for loan losses

LOANS RECEIVABLE, NET (Detail_2

LOANS RECEIVABLE, NET (Details 3) - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
		Jun. 30, 2018	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
Balance at beginning of period		$ 78,415	$ 49,899	$ 78,415
Fair value of acquired loans			22,467
Net reductions for payments, foreclosures, and accretion		(28,516)	(11,111)
Balance at end of period		49,899	61,255	49,899
Accretable yield, beginning of period		$ 12,536	19,908	12,536
Additions			3,040
Accretion and interest income			(6,174)	(6,092)
Reclassification from nonaccretable balance, net (a)	[1]		1,522	8,147
Other changes, net (b)	[2]		1,010	5,317
Accretable yield, end of period			$ 19,306	$ 19,908
[1]	Reclassifications from the nonaccretable balance in the year ended December 31, 2019 were driven by improvement in credit quality.
[2]	Other changes, net include the impact of changes in expectations of cash flows, which may vary from period to period due to the impact of modifications and changes to prepayment assumptions, as well as the impact of changes in interest rates on variable rate loans.

LOANS RECEIVABLE, NET (Detail_3

LOANS RECEIVABLE, NET (Details 4) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
Variable rate loans	$ 1,274,085	$ 942,348
Variable rate loans (as a percentage)	39.47%	37.33%
Fixed rate loans	$ 1,953,852	$ 1,581,988
Fixed rate loans (as a percentage)	0.6053	0.6267
Total loans outstanding	$ 3,227,937	$ 2,524,336
Total loans outstanding (as a percentage)	1	1

LOANS RECEIVABLE, NET (Detail_4

LOANS RECEIVABLE, NET (Details 5) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	$ 14,463	$ 11,478	$ 10,688
Provision for loan losses - non PCI loans	2,552
Provision for loan losses - PCI loans	28
Charge-offs	(1,235)	(872)	(272)
Recoveries	713	1,798	283
Balance at December 31, 2017	16,521	14,463	11,478
Provision for loan losses	2,580	2,059	779
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	352	79	80
Provision for loan losses - non PCI loans	195
Provision for loan losses - PCI loans
Charge-offs	(320)	(308)	(19)
Recoveries	165	93	45
Balance at December 31, 2017	392	352	79
Provision for loan losses		488	(27)
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	2,940	2,840	2,805
Provision for loan losses - non PCI loans	546
Provision for loan losses - PCI loans	22
Charge-offs	(145)	(197)
Recoveries	85	367	119
Balance at December 31, 2017	3,448	2,940	2,840
Provision for loan losses		(70)	(84)
Unallocated Financing Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	362	485	494
Provision for loan losses - non PCI loans	275
Provision for loan losses - PCI loans
Charge-offs
Recoveries
Balance at December 31, 2017	637	362	485
Provision for loan losses		(123)	(9)
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	3,540	2,719	2,636
Provision for loan losses - non PCI loans	105
Provision for loan losses - PCI loans	5
Charge-offs	(293)	(226)	(253)
Recoveries	174	142	4
Balance at December 31, 2017	3,531	3,540	2,719
Provision for loan losses		905	332
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	203	168	197
Provision for loan losses - non PCI loans	94
Provision for loan losses - PCI loans
Charge-offs	(78)	(31)
Recoveries	6	7	3
Balance at December 31, 2017	225	203	168
Provision for loan losses		59	(32)
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	5,097	3,986	3,344
Provision for loan losses - non PCI loans	993
Provision for loan losses - PCI loans	1
Charge-offs	(380)	(86)
Recoveries	35	77	31
Balance at December 31, 2017	5,746	5,097	3,986
Provision for loan losses		1,120	611
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at January 1, 2017	1,969	1,201	1,132
Provision for loan losses - non PCI loans	344
Provision for loan losses - PCI loans
Charge-offs	(19)	(24)
Recoveries	248	1,112	81
Balance at December 31, 2017	$ 2,542	1,969	1,201
Provision for loan losses		$ (320)	$ (12)

LOANS RECEIVABLE, NET (Detail_5

LOANS RECEIVABLE, NET (Details 6) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Dec. 31, 2017
Allowance for loan losses ending balances:
Individually evaluated for impairment	$ 808	$ 860
Collectively evaluated for impairment	15,685	13,603
Purchased credit impaired	28
Total allowance for loan losses	16,521	14,463
Loans receivable ending balances:
Individually evaluated for impairment	34,850	14,791
Collectively evaluated for impairment	3,131,832	2,459,646
Purchased credit impaired loans	61,255	49,899	$ 49,899	$ 78,415
Total loans receivable	3,227,937	2,524,336
Consumer Loan [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment
Collectively evaluated for impairment	392	352
Purchased credit impaired
Total allowance for loan losses	392	352
Loans receivable ending balances:
Individually evaluated for impairment	12	31
Collectively evaluated for impairment	26,100	23,761
Purchased credit impaired loans	388	53
Total loans receivable	26,500	23,845
Commercial Loan [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment	259	24
Collectively evaluated for impairment	3,167	2,916
Purchased credit impaired	22
Total allowance for loan losses	3,448	2,940
Loans receivable ending balances:
Individually evaluated for impairment	5,469	2,853
Collectively evaluated for impairment	450,643	348,341
Purchased credit impaired loans	12,454	8,199
Total loans receivable	468,566	359,393
Unallocated Financing Receivables [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment
Collectively evaluated for impairment	637	362
Purchased credit impaired
Total allowance for loan losses	637	362
Loans receivable ending balances:
Individually evaluated for impairment
Collectively evaluated for impairment
Purchased credit impaired loans
Total loans receivable
Mortgage Receivable [Member] | One-to-four family [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment	109	176
Collectively evaluated for impairment	3,417	3,364
Purchased credit impaired	5
Total allowance for loan losses	3,531	3,540
Loans receivable ending balances:
Individually evaluated for impairment	5,558	4,687
Collectively evaluated for impairment	769,080	718,953
Purchased credit impaired loans	10,934	9,077
Total loans receivable	785,572	732,717
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment
Collectively evaluated for impairment	225	203
Purchased credit impaired
Total allowance for loan losses	225	203
Loans receivable ending balances:
Individually evaluated for impairment	98	249
Collectively evaluated for impairment	108,492	83,468
Purchased credit impaired loans	1,426	53
Total loans receivable	110,016	83,770
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment	2	145
Collectively evaluated for impairment	5,743	4,952
Purchased credit impaired	1
Total allowance for loan losses	5,746	5,097
Loans receivable ending balances:
Individually evaluated for impairment	20,174	5,105
Collectively evaluated for impairment	1,343,878	999,316
Purchased credit impaired loans	30,574	29,696
Total loans receivable	1,394,626	1,034,117
Mortgage Receivable [Member] | Construction Loans [Member]
Allowance for loan losses ending balances:
Individually evaluated for impairment	438	515
Collectively evaluated for impairment	2,104	1,454
Purchased credit impaired
Total allowance for loan losses	2,542	1,969
Loans receivable ending balances:
Individually evaluated for impairment	3,539	1,866
Collectively evaluated for impairment	433,639	285,807
Purchased credit impaired loans	5,479	2,821
Total loans receivable	$ 442,657	$ 290,494

LOANS RECEIVABLE, NET (Detail_6

LOANS RECEIVABLE, NET (Details 7) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	$ 30,747	$ 9,062	$ 6,552
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	31,162	9,236	6,674
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	15,092	5,331	5,750
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1,890	283	213
Impaired Financing Receivable, with Related Allowance, Recorded Investment	4,103	5,729	2,431
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	4,101	5,790	2,431
Impaired Financing Receivable, Related Allowance	808	860	109
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	3,492	4,436	2,412
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	124	150	114
Impaired Financing Receivable, Recorded Investment	34,850	14,791	8,983
Impaired Financing Receivable, Unpaid Principal Balance	35,263	15,026	9,105
Impaired Financing Receivable, Average Recorded Investment	18,584	9,767	8,162
Impaired Financing Receivable, Interest Income, Accrual Method	2,014	434	327
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	12	31	26
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	31	31	26
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	17	24	18
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1	1	1
Impaired Financing Receivable, with Related Allowance, Recorded Investment
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance
Impaired Financing Receivable, Related Allowance
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method
Impaired Financing Receivable, Recorded Investment	12	31	26
Impaired Financing Receivable, Unpaid Principal Balance	31	31	26
Impaired Financing Receivable, Average Recorded Investment	17	24	18
Impaired Financing Receivable, Interest Income, Accrual Method	1	1	1
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	4,825	2,697	113
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	4,969	2,698	114
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	2,578	983	41
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	318	152	4
Impaired Financing Receivable, with Related Allowance, Recorded Investment	644	156	172
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	659	156	172
Impaired Financing Receivable, Related Allowance	259	24	16
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	232	161	188
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	17	9	10
Impaired Financing Receivable, Recorded Investment	5,469	2,853	285
Impaired Financing Receivable, Unpaid Principal Balance	5,628	2,854	286
Impaired Financing Receivable, Average Recorded Investment	2,810	1,144	229
Impaired Financing Receivable, Interest Income, Accrual Method	335	162	14
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	4,928	3,083	2,725
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	4,989	3,241	2,846
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	3,916	1,904	2,134
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	105	46	80
Impaired Financing Receivable, with Related Allowance, Recorded Investment	630	1,604	710
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	613	1,665	710
Impaired Financing Receivable, Related Allowance	109	176	64
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	600	1,261	650
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	26	43	22
Impaired Financing Receivable, Recorded Investment	5,558	4,687	3,435
Impaired Financing Receivable, Unpaid Principal Balance	5,602	4,906	3,556
Impaired Financing Receivable, Average Recorded Investment	4,516	3,165	2,784
Impaired Financing Receivable, Interest Income, Accrual Method	131	89	102
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	98	249
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	98	249
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	10	97
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method		6
Impaired Financing Receivable, with Related Allowance, Recorded Investment			108
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance			108
Impaired Financing Receivable, Related Allowance			29
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment			108
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method
Impaired Financing Receivable, Recorded Investment	98	249	108
Impaired Financing Receivable, Unpaid Principal Balance	98	249	108
Impaired Financing Receivable, Average Recorded Investment	10	97	108
Impaired Financing Receivable, Interest Income, Accrual Method		6
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	18,837	2,679	3,370
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	19,028	2,694	3,370
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	7,881	2,049	3,355
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	1,414	59	111
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,337	2,426	1,441
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,337	2,426	1,441
Impaired Financing Receivable, Related Allowance	2	145
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	1,363	1,773	1,466
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	76	98	82
Impaired Financing Receivable, Recorded Investment	20,174	5,105	4,811
Impaired Financing Receivable, Unpaid Principal Balance	20,365	5,120	4,811
Impaired Financing Receivable, Average Recorded Investment	9,244	3,822	4,821
Impaired Financing Receivable, Interest Income, Accrual Method	1,490	157	193
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,047	323	318
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	2,047	323	318
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	690	274	202
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	56	19	17
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,492	1,543
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,492	1,543
Impaired Financing Receivable, Related Allowance	438	515
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	1,297	1,241
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	5
Impaired Financing Receivable, Recorded Investment	3,539	1,866	318
Impaired Financing Receivable, Unpaid Principal Balance	3,539	1,866	318
Impaired Financing Receivable, Average Recorded Investment	1,987	1,515	202
Impaired Financing Receivable, Interest Income, Accrual Method	$ 61	$ 19	$ 17

LOANS RECEIVABLE, NET (Detail_7

LOANS RECEIVABLE, NET (Details 8) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 25,728	$ 15,920
Current	3,202,209	2,508,416
Total loans receivable	3,227,937	2,524,336
inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	22,912	14,043
Current	3,143,770	2,460,394
Total loans receivable	3,166,682	2,474,437
Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	2,816	1,878
Current	58,439	48,021
Total loans receivable	61,255	49,899
Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	8,407	4,275
Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	8,216	3,396
Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	191	879
Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	3,592	3,261
Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	2,922	2,868
Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	670	394
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	13,729	8,384
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	11,693	7,779
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,955	605
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	254	444
Current	26,246	23,401
Total loans receivable	26,500	23,845
Consumer Loan [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	247	444
Current	25,865	23,348
Total loans receivable	26,112	23,792
Consumer Loan [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	7
Current	381	53
Total loans receivable	388	53
Consumer Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	145	296
Consumer Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	141	296
Consumer Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	4
Consumer Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	99	31
Consumer Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	96	31
Consumer Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	3
Consumer Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	10	117
Consumer Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	10	117
Consumer Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	915	2,027
Current	467,651	357,366
Total loans receivable	468,566	359,393
Commercial Loan [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	718	2,027
Current	455,394	349,167
Total loans receivable	456,112	351,194
Commercial Loan [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	197
Current	12,257	8,199
Total loans receivable	12,454	8,199
Commercial Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	174	793
Commercial Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	153	793
Commercial Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	21
Commercial Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	502	632
Commercial Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	397	632
Commercial Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	105
Commercial Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	239	602
Commercial Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	168	602
Commercial Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	71
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	5,210	6,313
Current	780,362	726,404
Total loans receivable	785,572	732,717
Mortgage Receivable [Member] | One-to-four family [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	4,747	5,377
Current	769,891	718,264
Total loans receivable	774,638	723,641
Mortgage Receivable [Member] | One-to-four family [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	463	937
Current	10,471	8,140
Total loans receivable	10,934	9,077
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	569	503
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	425	378
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	144	126
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,783	1,677
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,719	1,313
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	64	364
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	2,858	4,133
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	2,522	3,686
Mortgage Receivable [Member] | One-to-four family [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	255	447
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	591	1,309
Current	109,425	82,461
Total loans receivable	110,016	83,770
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	591	1,306
Current	107,999	82,411
Total loans receivable	108,590	83,717
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		3
Current	1,426	50
Total loans receivable	1,426	53
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	352	723
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	352	720
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		3
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	141	213
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	141	213
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	98	373
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	98	373
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	16,942	4,954
Current	1,377,684	1,029,163
Total loans receivable	1,394,626	1,034,117
Mortgage Receivable [Member] | Commercial Real Estate [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	15,532	4,052
Current	1,348,520	1,000,368
Total loans receivable	1,364,052	1,004,420
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,410	901
Current	29,164	28,795
Total loans receivable	30,574	29,696
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	6,952	1,780
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	6,952	1,037
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		743
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	642	120
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	144	120
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	498
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	9,348	3,054
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	8,436	2,895
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	912	158
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,816	873
Current	440,841	289,621
Total loans receivable	442,657	290,494
Mortgage Receivable [Member] | Construction Loans [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,077	837
Current	436,101	286,836
Total loans receivable	437,178	287,673
Mortgage Receivable [Member] | Construction Loans [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	739	37
Current	4,740	2,784
Total loans receivable	5,479	2,821
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	215	180
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	193	172
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	22	7
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	425	588
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	425	559
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		30
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,176	105
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	459	106
Mortgage Receivable [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 717

LOANS RECEIVABLE, NET (Detail_8

LOANS RECEIVABLE, NET (Details 9) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	$ 25,166	$ 11,721
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	6	107
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	1,574	1,351
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	4,435	4,471
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	98	454
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	15,783	3,663
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Nonaccrual	$ 3,270	$ 1,675

LOANS RECEIVABLE, NET (Detail_9

LOANS RECEIVABLE, NET (Details 10) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	$ 3,227,937	$ 2,524,336
Nonaccrual	25,166	11,721
inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,166,682	2,474,437
Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	61,255	49,899
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,162,372	2,492,281
Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,129,412	2,454,817
Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	32,960	37,464
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	26,752	13,134
Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	8,376	7,077
Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	18,376	6,058
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	38,813	18,921
Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	28,894	12,543
Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	9,919	6,377
Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,200,816	2,511,990
Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,141,516	2,462,696
Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	59,300	49,294
Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	27,121	12,346
90 days past due still accruing	1,955	625
Nonaccrual	25,166	11,721
Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	25,166	11,741
90 days past due still accruing		20
Nonaccrual	25,166	11,721
Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,955	605
90 days past due still accruing	1,955	605
Nonaccrual
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	26,500	23,845
Nonaccrual	6	107
Consumer Loan [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	26,112	23,792
Consumer Loan [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	388	53
Consumer Loan [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	26,015	23,613
Consumer Loan [Member] | Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	25,996	23,571
Consumer Loan [Member] | Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	19	42
Consumer Loan [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	266	103
Consumer Loan [Member] | Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	102	103
Consumer Loan [Member] | Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	164
Consumer Loan [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	219	129
Consumer Loan [Member] | Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	14	118
Consumer Loan [Member] | Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	205	11
Consumer Loan [Member] | Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	26,494	23,718
Consumer Loan [Member] | Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	26,106	23,665
Consumer Loan [Member] | Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	388	53
Consumer Loan [Member] | Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	6	127
90 days past due still accruing		20
Nonaccrual	6	107
Consumer Loan [Member] | Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	6	127
90 days past due still accruing		20
Nonaccrual	6	107
Consumer Loan [Member] | Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming
90 days past due still accruing
Nonaccrual
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	468,566	359,393
Nonaccrual	1,574	1,351
Commercial Loan [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	456,112	351,194
Commercial Loan [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	12,454	8,199
Commercial Loan [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	455,756	353,742
Commercial Loan [Member] | Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	447,327	346,487
Commercial Loan [Member] | Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	8,429	7,255
Commercial Loan [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	7,720	2,166
Commercial Loan [Member] | Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,241	1,379
Commercial Loan [Member] | Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,479	787
Commercial Loan [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	5,090	3,485
Commercial Loan [Member] | Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,544	3,328
Commercial Loan [Member] | Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	546	157
Commercial Loan [Member] | Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	466,921	358,042
Commercial Loan [Member] | Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	454,538	349,843
Commercial Loan [Member] | Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	12,383	8,199
Commercial Loan [Member] | Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,645	1,351
90 days past due still accruing	71
Nonaccrual	1,574	1,351
Commercial Loan [Member] | Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,574	1,351
90 days past due still accruing
Nonaccrual	1,574	1,351
Commercial Loan [Member] | Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	71
90 days past due still accruing	71
Nonaccrual
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	785,572	732,717
Nonaccrual	4,435	4,471
Mortgage Receivable [Member] | One-to-four family [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	774,638	723,641
Mortgage Receivable [Member] | One-to-four family [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	10,934	9,077
Mortgage Receivable [Member] | One-to-four family [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	776,545	727,921
Mortgage Receivable [Member] | One-to-four family [Member] | Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	770,068	720,177
Mortgage Receivable [Member] | One-to-four family [Member] | Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	6,477	7,745
Mortgage Receivable [Member] | One-to-four family [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,865	417
Mortgage Receivable [Member] | One-to-four family [Member] | Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming
Mortgage Receivable [Member] | One-to-four family [Member] | Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,865	418
Mortgage Receivable [Member] | One-to-four family [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	7,162	4,379
Mortgage Receivable [Member] | One-to-four family [Member] | Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,570	3,464
Mortgage Receivable [Member] | One-to-four family [Member] | Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	2,592	914
Mortgage Receivable [Member] | One-to-four family [Member] | Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	780,882	727,799
Mortgage Receivable [Member] | One-to-four family [Member] | Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	770,203	719,170
Mortgage Receivable [Member] | One-to-four family [Member] | Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	10,679	8,630
Mortgage Receivable [Member] | One-to-four family [Member] | Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,771	4,918
90 days past due still accruing	255	447
Nonaccrual	4,435	4,471
Mortgage Receivable [Member] | One-to-four family [Member] | Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,435	4,471
90 days past due still accruing
Nonaccrual	4,435	4,471
Mortgage Receivable [Member] | One-to-four family [Member] | Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	255	447
90 days past due still accruing	255	447
Nonaccrual
Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	110,016	83,770
Nonaccrual	98	454
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	108,590	83,717
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,426	53
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	108,512	83,382
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	108,492	83,336
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	20	45
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,334
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,334
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	170	388
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	98	381
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	72	8
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	109,918	83,316
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	108,492	83,263
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,426	53
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	98	454
90 days past due still accruing
Nonaccrual	98	454
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	98	454
90 days past due still accruing
Nonaccrual	98	454
Mortgage Receivable [Member] | Home Equity Line of Credit [Member] | Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming
90 days past due still accruing
Nonaccrual
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,394,626	1,034,117
Nonaccrual	15,783	3,663
Mortgage Receivable [Member] | Commercial Real Estate [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,364,052	1,004,420
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	30,574	29,696
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,361,058	1,016,064
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,345,054	995,319
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	16,004	20,745
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	11,445	9,914
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	2,601	5,524
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	8,844	4,390
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	22,123	8,139
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	16,397	3,577
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	5,726	4,561
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,377,931	1,030,296
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,348,269	1,000,757
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	29,662	29,538
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	16,695	3,821
90 days past due still accruing	912	158
Nonaccrual	15,783	3,663
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	15,783	3,663
90 days past due still accruing
Nonaccrual	15,783	3,663
Mortgage Receivable [Member] | Commercial Real Estate [Member] | Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	912	158
90 days past due still accruing	912	158
Nonaccrual
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	442,657	290,494
Nonaccrual	3,270	1,675
Mortgage Receivable [Member] | Construction Loans [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	437,178	287,673
Mortgage Receivable [Member] | Construction Loans [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	5,479	2,821
Mortgage Receivable [Member] | Construction Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	434,486	287,559
Mortgage Receivable [Member] | Construction Loans [Member] | Pass [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	432,475	285,927
Mortgage Receivable [Member] | Construction Loans [Member] | Pass [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	2,011	1,632
Mortgage Receivable [Member] | Construction Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,122	534
Mortgage Receivable [Member] | Construction Loans [Member] | Special Mention [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	1,432	71
Mortgage Receivable [Member] | Construction Loans [Member] | Special Mention [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	2,690	463
Mortgage Receivable [Member] | Construction Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,049	2,401
Mortgage Receivable [Member] | Construction Loans [Member] | Substandard [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,271	1,675
Mortgage Receivable [Member] | Construction Loans [Member] | Substandard [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	778	726
Mortgage Receivable [Member] | Construction Loans [Member] | Performing Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	438,670	288,819
Mortgage Receivable [Member] | Construction Loans [Member] | Performing Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	433,908	285,998
Mortgage Receivable [Member] | Construction Loans [Member] | Performing Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	4,762	2,821
Mortgage Receivable [Member] | Construction Loans [Member] | Nonperforming Financial Instruments [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,987	1,675
90 days past due still accruing	717
Nonaccrual	3,270	1,675
Mortgage Receivable [Member] | Construction Loans [Member] | Nonperforming Financial Instruments [Member] | inancing Receivable Impaired Non Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	3,270	1,675
90 days past due still accruing
Nonaccrual	3,270	1,675
Mortgage Receivable [Member] | Construction Loans [Member] | Nonperforming Financial Instruments [Member] | Financing Receivable Impaired Credit Impaired Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming	717
90 days past due still accruing	717
Nonaccrual

LOANS RECEIVABLE, NET (Detai_10

LOANS RECEIVABLE, NET (Details 11) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
Balance at beginning of year	$ 17,691	$ 12,902
New loans	10,435	16,363
Repayments	(9,027)	(11,574)
Balance at end of year	$ 19,099	$ 17,691

LOANS RECEIVABLE, NET (Detai_11

LOANS RECEIVABLE, NET (Details Narrative) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Item	Dec. 31, 2018USD ($)Item
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan Participation Arrangements | $	$ 28,400	$ 37,100
Loans designated as troubled debt restructurings | $	11,100	6,400
Troubled debt restructurings, still accruing | $	$ 4,500	3,300
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | Item	5
Mortgage Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Troubled Debt Restructuring, Postmodification | $	$ 7,000	$ 1,700
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | Item	1
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | Item	1	1
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Modifications, Number of Contracts | Item	5	1

PREMISES AND EQUIPMENT, NET (De

PREMISES AND EQUIPMENT, NET (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Depreciation Expenses	$ 4,400	$ 4,200	$ 2,800

REAL ESTATE ACQUIRED THROUGH _3

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Banking and Thrift [Abstract]
Balance at beginning of period	$ 1,534	$ 3,106
Additions	1,299	285	$ 2,554
Acquisitions	733
Sales and Paydowns	(1,241)	(1,731)
Write downs		(126)
Balance at end of period	$ 2,325	$ 1,534	$ 3,106

REAL ESTATE ACQUIRED THROUGH _4

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details 2) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	$ 2,325	$ 1,534	$ 3,106
Mortgage Receivable [Member] | One-to-four family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	755	204
Mortgage Receivable [Member] | Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	784
Mortgage Receivable [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	$ 786	$ 1,330

REAL ESTATE ACQUIRED THROUGH _5

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details Narrative) $ in Thousands	Dec. 31, 2019USD ($)
Banking and Thrift [Abstract]
Mortgage Loans in Process of Foreclosure, Amount	$ 11,300

MORTGAGE SERVICING RIGHTS (Deta

MORTGAGE SERVICING RIGHTS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
MSR beginning balance	$ 32,933	$ 21,003
Amount capitalized	1,368	6,283
Purchased servicing	461	9,853
Amount amortized	(5,721)	(4,206)	$ (2,966)
MSR Impairment	(3,100)
MSR ending balance	$ 25,941	$ 32,933	$ 21,003

MORTGAGE SERVICING RIGHTS (De_2

MORTGAGE SERVICING RIGHTS (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill and Intangible Assets Disclosure [Abstract]
MSR valuation allowance beginning balance
Increase (reduction)	3,100
MSR valuation allowance ending balance	$ 3,100

MORTGAGE SERVICING RIGHTS (De_3

MORTGAGE SERVICING RIGHTS (Details 3) $ in Thousands	Dec. 31, 2019USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Year 1	$ 5,580
Year 2	4,164
Year 3	3,905
Year 4	3,554
Year 5	3,259
Thereafter	5,479
Total	$ 25,941

MORTGAGE SERVICING RIGHTS (De_4

MORTGAGE SERVICING RIGHTS (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Unpaid Principal Balance of Mortgage servicing rights at end of year	$ 3,600	$ 4,000
Fair value of Mortgage Servicing Rights	31,400	40,900
Servicing Related Trust Fund received from borrowers	$ 43,000	$ 41,500
Weighted Average [Member]
Finite-Lived Intangible Assets [Line Items]
Assumptions Used to Estimate Fair Value, Discount Rate (as a percent)	0.25%	0.25%
Weighted Average Delinquency Rate (as a percent)	0.0187	0.0234
Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Assumptions Used to Estimate Fair Value, Discount Rate (as a percent)	10.00%	12.00%
Assumptions Used to Estimate Fair Value, Prepayment Speed (As a percent)	10.00%	6.00%
Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Assumptions Used to Estimate Fair Value, Discount Rate (as a percent)	12.00%	13.00%
Assumptions Used to Estimate Fair Value, Prepayment Speed (As a percent)	12.00%	7.00%

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Banking and Thrift [Abstract]
Noninterest-bearing demand accounts	$ 668,616	$ 547,022
Interest-bearing demand accounts	651,577	566,527
Savings accounts	218,786	192,322
Money market accounts	590,916	431,246
Certificates of deposit:
Less than $250,000	1,159,978	875,749
$250,000 or more	118,488	105,327
Total certificates of deposit	1,278,466	981,076
Total deposits	$ 3,408,361	$ 2,718,193	$ 2,604,929

DEPOSITS (Details 2)

DEPOSITS (Details 2) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Banking and Thrift [Abstract]
Maturing within one year	$ 963,450	$ 684,031
Maturing one through three years	256,335	254,180
Maturing after three years	58,681	42,865
Total certificates of deposit	$ 1,278,466	$ 981,076

DEPOSITS (Details Narrative)

DEPOSITS (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Banking and Thrift [Abstract]
Brokered certificates of deposit	$ 186,300	$ 174,100
Institutional certificates of deposit	$ 92,600	$ 39,400

SHORT-TERM BORROWED FUNDS (Deta

SHORT-TERM BORROWED FUNDS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Short-term FHLB advances	$ 437,700	$ 405,500
Total short-term borrowed funds	$ 437,700	$ 405,500
Minimum [Member]
Debt Instrument [Line Items]
Short-term FHLB advances Interest Rate (as a percent)	1.66%	1.05%
Maximum [Member]
Debt Instrument [Line Items]
Short-term FHLB advances Interest Rate (as a percent)	2.02%	2.78%

LONG-TERM DEBT (Details)

LONG-TERM DEBT (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Long-term FHLB advances, due through 2020	$ 12,114	$ 27,000
Subordinated debentures, due 2032 through 2037	42,761	32,436
Total long-term debt	54,875	59,436
Total long-term debt	$ 54,875	$ 59,436
Subordinated debentures issued to Carolina Financial Capital Trust I, due 2032 [Member]
Debt Instrument [Line Items]
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	3.67%
Subordinated debentures issued to Carolina Financial Capital Trust I, due 2037 [Member]
Debt Instrument [Line Items]
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	6.90%
Minimum [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Long Term Interest Rate (as a percent)	0.88%
Maximum [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank, Long Term Interest Rate (as a percent)	2.39%

LONG-TERM DEBT (Details 2)

LONG-TERM DEBT (Details 2) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
2020
2021	2,000
2022	6,038
2023
2024
Thereafter	46,837
Total	$ 54,875	$ 59,436

SHORT-TERM BORROWED FUNDS (De_2

SHORT-TERM BORROWED FUNDS (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
Pledged Financial Instruments with Federal Home Loan Bank Debt	$ 449,800	$ 432,500
Pledged Financial Instruments in excess with Federal Home Loan Bank Debt	416,100	305,100
Pledged Financial Instruments with Federal Reserve Bank	$ 188,300	$ 226,300

LONG-TERM DEBT (Details Narrati

LONG-TERM DEBT (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Value of common stock issued to company	$ 248	$ 224
Statutory Business Trusts [Member]
Debt Instrument [Line Items]
Principal amount owed	36,000
Value of common stock issued to company	$ 1,100
Statutory Business Trusts [Member] | Minimum [Member]
Debt Instrument [Line Items]
Floating interest rates (as a percent)	3.67%
Statutory Business Trusts [Member] | Maximum [Member]
Debt Instrument [Line Items]
Floating interest rates (as a percent)	6.90%

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current income tax expense
Federal									$ 14,375	$ 12,114	$ 3,764
State									2,020	2,185	971
Current Income Tax Expense (Benefit), Total									16,395	14,299	4,735
Deferred income tax expense (benefit)
Federal									1,141	(1,219)	7,792
State									412	(311)	195
Deferred tax revaluation related to the 2017 Tax Act											239
Deferred Income Tax Expense (Benefit), Total									1,553	(1,530)	8,226
Total income tax expense	$ 4,972	$ 4,744	$ 4,282	$ 3,950	$ 3,981	$ 4,227	$ 4,036	$ 525	$ 17,948	$ 12,769	$ 12,961

INCOME TAXES (Details 2)

INCOME TAXES (Details 2) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Computed federal income taxes									$ 16,944	$ 13,112	$ 14,534
State income tax, net of federal benefit									2,090	1,674	758
Tax exempt interest									(1,195)	(1,378)	(1,667)
Stock based compensation									(77)	(331)	(1,514)
Deferred tax revaluation related to the 2017 Tax Act											239
Other, net									186	(308)	611
Total income tax expense	$ 4,972	$ 4,744	$ 4,282	$ 3,950	$ 3,981	$ 4,227	$ 4,036	$ 525	$ 17,948	$ 12,769	$ 12,961

INCOME TAXES (Details 3)

INCOME TAXES (Details 3) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Loan loss reserve	$ 8,322	$ 8,808
Unrealized loss on available-for-sale securities		109
Net operating loss and credit carryforwards	1,813	2,943
Stock based compensation	1,080	808
Other	2,482	823
Deferred Tax Assets, Gross	13,697	13,491
Valuation allowance	(436)	(618)
Total gross deferred tax assets	13,261	12,873
Deferred tax liabilities:
Depreciation	(4,741)	(3,393)
Core deposit intangible	(3,013)	(2,932)
Goodwill	(295)	(240)
Transaction costs
Unrealized gain on securities available-for-sale	(2,763)
Other	14	(522)
Total gross deferred tax liabilities	(10,798)	(7,087)
Deferred tax assets, net	$ 2,463	$ 5,786

STOCK-BASED COMPENSATION (Detai

STOCK-BASED COMPENSATION (Details) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year	297,431
Weighted Average Exercise Price of Options Outstanding	$ 11.12
Outstanding at end of year	260,213	297,431
Weighted Average Exercise Price of Options Outstanding	$ 10.75	$ 11.12
Options exercisable at end of year	249,550	263,114
Weighted Average Exercise Price of Options Exercisable	$ 9.96	$ 9.48
Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year	297,431	312,382
Weighted Average Exercise Price of Options Outstanding	$ 11.12	$ 12.01
Granted		1,000
Granted		$ 40.91
Acquired in a merger	34,624
Acquired in a merger	$ 12.93
Exercised	(71,842)	(7,596)
Exercised	$ 13.37	$ 18.71
Forfeited or expired		(8,355)
Forfeited, exchanged or expired		$ 40.79
Outstanding at end of year	260,213	297,431
Weighted Average Exercise Price of Options Outstanding	$ 10.75	$ 11.12
Options exercisable at end of year	249,550	263,114
Weighted Average Exercise Price of Options Exercisable	$ 9.96	$ 9.48

STOCK-BASED COMPENSATION (Det_2

STOCK-BASED COMPENSATION (Details 2) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	260,213	297,431
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 10.75	$ 11.12
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	249,550	263,114
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 9.96	$ 9.48
Weighted Avg. Remaining Years Contractual Life	4 years 3 months 18 days	5 years 2 months 12 days
Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	260,213	297,431	312,382
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 10.75	$ 11.12	$ 12.01
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	249,550	263,114
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 9.96	$ 9.48
Share-based Payment Arrangement, Option [Member] | Excercise Price $4.17 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	111,778	124,930
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 4.17	$ 4.17
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	111,778	124,930
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 4.17	$ 4.17
Weighted Avg. Remaining Years Contractual Life	3 years 3 months 18 days	4 years 3 months 18 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $7.10 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	4,397
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 7.10
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	4,397
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 7.10
Weighted Avg. Remaining Years Contractual Life	2 years 2 months 12 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $8.54 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	6,576	6,576
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 8.54	$ 8.54
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	6,576	6,576
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 8.54	$ 8.54
Weighted Avg. Remaining Years Contractual Life	4 years 3 months 18 days	5 years 3 months 18 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $9.27 - $9.97 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	2,569
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 9.68
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	2,569
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 9.68
Weighted Avg. Remaining Years Contractual Life	2 years 1 month 6 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $10.20 - $10.66 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	4,794
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 10.50
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	4,794
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 10.50
Weighted Avg. Remaining Years Contractual Life	1 year 6 months
Share-based Payment Arrangement, Option [Member] | Excercise Price $11.03 - $11.58 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	54,762
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 11.48
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	54,763
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 11.48
Weighted Avg. Remaining Years Contractual Life	4 years 10 months 24 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $12.88 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	2,279
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 12.88
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	2,279
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 12.88
Weighted Avg. Remaining Years Contractual Life	3 years 4 months 24 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $15.82 - $16.83 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	47,908	54,781
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 16.53	$ 16.56
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	45,908	36,791
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 16.51	$ 16.54
Weighted Avg. Remaining Years Contractual Life	5 years 8 months 12 days	7 years
Share-based Payment Arrangement, Option [Member] | Excercise Price $17.17 - $18.13 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	4,450
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 17.54
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	4,450
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 17.54
Weighted Avg. Remaining Years Contractual Life	4 years 9 months 18 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $21.24 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	1,013
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 21.54
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	1,013
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 21.54
Weighted Avg. Remaining Years Contractual Life	2 months 12 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $30.90 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	18,687	22,990
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 30.90	$ 30.90
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number	11,023	7,663
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 30.90	$ 30.90
Weighted Avg. Remaining Years Contractual Life	7 years 1 month 6 days	8 years 1 month 6 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $40.91 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	1,000	1,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 40.91	$ 40.91
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price
Weighted Avg. Remaining Years Contractual Life	8 years 2 months 12 days	2 years 2 months 12 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $8.14 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number		10,127
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 8.14
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number		10,127
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price		$ 8.14
Weighted Avg. Remaining Years Contractual Life		3 years 2 months 12 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $9.97 - $10.66 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number		7,596
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 10.52
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number		7,596
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price		$ 10.52
Weighted Avg. Remaining Years Contractual Life		2 years 2 months 12 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $11.58 - $12.88 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number		58,796
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 11.66
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number		58,796
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price		$ 11.66
Weighted Avg. Remaining Years Contractual Life		6 years
Share-based Payment Arrangement, Option [Member] | Excercise Price $20.97 - $21.54 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number		10,635
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price		$ 21.21
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number		10,635
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price		$ 21.21
Weighted Avg. Remaining Years Contractual Life		7 months 6 days
Share-based Payment Arrangement, Option [Member] | Excercise Price $34.10 - $38.03 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price
Share-based Payment Arrangement, Option [Member] | Excercise Price $42.28 - $42.56 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price

STOCK-BASED COMPENSATION (Det_3

STOCK-BASED COMPENSATION (Details 3) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend yield		50.00%
Expected Life		6 years
Expected volatility		4400.00%
Risk-free interest rate		276.00%
Outstanding at beginning of year	297,431
Weighted Average Exercise Price of Options Outstanding	$ 11.12
Outstanding at end of year	260,213	297,431
Weighted Average Exercise Price of Options Outstanding	$ 10.75	$ 11.12
Total	297,431	297,431	260,213
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year	117,966	134,302
Weighted Average Exercise Price of Options Outstanding	$ 13.14	$ 8.87
Granted	56,037	47,039
Granted	$ 33.47	$ 39.32
Vested	(42,001)	(52,925)
Vested	$ 30.14	$ 20.85
Forfeited	(19,453)	(10,450)
Forfeited, exchanged or expired	$ 30.36	$ 37.09
Outstanding at end of year	112,549	117,966
Weighted Average Exercise Price of Options Outstanding	$ 13.94	$ 13.14
2020			57,925
2021			28,747
2022			18,525
2023			7,352
2024
Thereafter
Total	112,549	134,302	112,549
Non Vested Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year	21,512	17,273
Weighted Average Exercise Price of Options Outstanding	$ 38.77	$ 30.90
Granted	23,045	22,112
Granted	$ 33.87	$ 38.77
Vested	(20,512)	(17,273)
Forfeited	(1,000)	(600)
Forfeited, exchanged or expired	$ 38.77	$ 38.77
Outstanding at end of year	23,045	21,512
Weighted Average Exercise Price of Options Outstanding	$ 33.87	$ 38.77
Total	23,045	17,273	23,045
Granted-achievement of 150% target	10,256
Granted-achievement of 150% target	$ 38.23
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price	$ 38.77	$ 30.90
Vested-achievement of 150% target	(10,256)
Vested-achievement of 150% target	$ 38.23

STOCK-BASED COMPENSATION (Det_4

STOCK-BASED COMPENSATION (Details Narrative) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement Options, Outstanding	260,213	297,431
Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement Options, Outstanding	260,213	297,431	312,382
Equity Incentive Plan 2013 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common Stock, Shares Reserved for Issuance	1,200,000
Share-based Compensation Arrangement Options, Outstanding	173,637
Equity Incentive Plan 2013 [Member] | Share-based Payment Arrangement, Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum stock option term period(In years)	10 years
Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures	3,100	2,700	1,700

ESTIMATED FAIR VALUE OF FINAN_3

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$ 879,235		$ 842,801
Loans held for sale	31,282		16,972	$ 35,292
Derivative assets	1,791		4,032
Derivative liabilities	3,427		1,232
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	218,968		213,714
US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	23,923		25,277
Collateralized Loan Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	299,982		230,699
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	6,988		6,960
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	166,714		197,520
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	151,942		157,531
Asset-backed Securities, Securitized Loans and Receivables [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	10,718		11,100
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Loans held for sale
Derivative assets	138		2,430
Derivative liabilities	3,387		937
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	879,235		842,801
Loans held for sale	31,282		16,972
Derivative assets	1,653		1,602
Derivative liabilities	40		295
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Loans held for sale
Derivative assets
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Interest Rate Swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets			1,232
Derivative liabilities	620
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	138		1,198
Derivative liabilities	2,767		937
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Lock Commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Not Designated as Hedging Instrument [Member] | Mortgage loan forward sales commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Not Designated as Hedging Instrument [Member] | Mortgage-backed securities forward sales commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Loan Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Asset-backed Securities, Securitized Loans and Receivables [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	31,282		16,972
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Lock Commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	1,073		1,199
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Not Designated as Hedging Instrument [Member] | Mortgage loan forward sales commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	580	$ 403
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Not Designated as Hedging Instrument [Member] | Mortgage-backed securities forward sales commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	40		295
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	218,968		213,714
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	23,923		25,277
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Loan Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	299,982		230,699
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	6,988		6,960
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	166,714		197,520
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	151,942		157,531
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Asset-backed Securities, Securitized Loans and Receivables [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	10,718		11,100
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Swaps [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Not Designated as Hedging Instrument [Member] | Interest Rate Lock Commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Not Designated as Hedging Instrument [Member] | Mortgage loan forward sales commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Not Designated as Hedging Instrument [Member] | Mortgage-backed securities forward sales commitments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Loan Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Asset-backed Securities, Securitized Loans and Receivables [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities

ESTIMATED FAIR VALUE OF FINAN_4

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Inputs, Level 1 [Member] | One-to-four family [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Consumer Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Commercial Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Mortgage Receivable [Member] | One-to-four family [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Mortgage Receivable [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 1 [Member] | Mortgage Receivable [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | One-to-four family [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Consumer Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Commercial Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Mortgage Receivable [Member] | One-to-four family [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Mortgage Receivable [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | Mortgage Receivable [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | One-to-four family [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	755	204
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	784
Fair Value, Inputs, Level 3 [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	786	1,330
Fair Value, Inputs, Level 3 [Member] | Consumer Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	12	31
Fair Value, Inputs, Level 3 [Member] | Commercial Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	5,210	2,829
Fair Value, Inputs, Level 3 [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	31,410	40,880
Fair Value, Inputs, Level 3 [Member] | Mortgage Receivable [Member] | One-to-four family [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	5,449	4,511
Fair Value, Inputs, Level 3 [Member] | Mortgage Receivable [Member] | Home Equity Line of Credit [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	98	249
Fair Value, Inputs, Level 3 [Member] | Mortgage Receivable [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	20,172	4,960
Fair Value, Inputs, Level 3 [Member] | Mortgage Receivable [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 3,101	$ 1,351

ESTIMATED FAIR VALUE OF FINAN_5

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assumptions Used to Estimate Fair Value, Prepayment Speed (As a percent)	10.00%	6.00%
Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assumptions Used to Estimate Fair Value, Prepayment Speed (As a percent)	12.00%	7.00%
Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
[custom:WeightedAverageDelinquencyRateAsPercent]	0.0187	0.0234
Fair Value, Inputs, Level 3 [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Valuation Techniques	Discounted cash flows	Discounted cash flows
Significant Unobservable Inputs	Comparable sales	Comparable sales
Net Servicing Fees, Percent	0.25%	0.25%
Fair Value, Inputs, Level 3 [Member] | Minimum [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Significant Unobservable Input Range	10.00%	12.00%
Assumptions Used to Estimate Fair Value, Prepayment Speed (As a percent)	10.00%	6.00%
Fair Value, Inputs, Level 3 [Member] | Maximum [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Significant Unobservable Input Range	12.00%	13.00%
Assumptions Used to Estimate Fair Value, Prepayment Speed (As a percent)	12.00%	7.00%
Fair Value, Inputs, Level 3 [Member] | Weighted Average [Member] | Mortgage Servicing Rights [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
[custom:WeightedAverageDelinquencyRateAsPercent]	0.0187	0.0234
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Valuation Techniques	Appraisal value	Appraisal value
Significant Unobservable Inputs	Appraisals and or sales of comparable properties	Appraisals and or sales of comparable properties
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Significant Unobservable Input Range	10.00%	10.00%
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Significant Unobservable Input Range	20.00%	20.00%
Fair Value, Inputs, Level 3 [Member] | Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Valuation Techniques	Appraisal value/ Comparison sales	Appraisal value/ Comparison sales
Significant Unobservable Inputs	Appraisals and or sales of comparable properties	Appraisals and or sales of comparable properties
Fair Value, Inputs, Level 3 [Member] | Real Estate Owned [Member] | Minimum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Significant Unobservable Input Range	10.00%	10.00%
Fair Value, Inputs, Level 3 [Member] | Real Estate Owned [Member] | Maximum [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Significant Unobservable Input Range	20.00%	20.00%

ESTIMATED FAIR VALUE OF FINAN_6

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 4) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial assets:
Cash and due from banks	$ 41,411	$ 28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972	$ 35,292
Loans receivable, net	3,211,416	2,509,873	2,308,050
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure	2,325	1,534	3,106
Mortgage servicing rights	25,941	32,933
Financial liabilities:
Deposits	3,408,361	2,718,193	2,604,929
Short-term borrowed funds	437,700	405,500
Long-term debt	54,875	59,436
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972	35,292
Loans receivable, net	3,211,416	2,509,873	2,308,050
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure	2,325	1,534	3,106
Mortgage servicing rights	25,941	32,933
Deposits	3,408,361	2,718,193	$ 2,604,929
Short-term borrowed funds	437,700	405,500
Long-term debt	54,875	59,436
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale
Federal Home Loan Bank stock, at cost
Other investments
Derivative assets	138	2,430
Loans held for sale
Loans receivable, net
Accrued interest receivable
Real estate acquired through foreclosure
Mortgage servicing rights
Financial liabilities:
Deposits
Short-term borrowed funds
Long-term debt
Derivative liabilities	3,387	937
Drafts outstanding
Advances from borrowers for insurance and taxes
Accrued interest payable
Dividends payable to stockholders
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale
Federal Home Loan Bank stock, at cost
Other investments
Derivative assets	138	2,430
Loans held for sale
Loans receivable, net
Accrued interest receivable
Real estate acquired through foreclosure
Mortgage servicing rights
Deposits
Short-term borrowed funds
Long-term debt
Derivative liabilities	3,387	937
Drafts outstanding
Advances from borrowers for insurance and taxes
Accrued interest payable
Dividends payable to stockholders
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Cash and due from banks
Interest-bearing cash
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost
Other investments
Derivative assets	1,653	1,602
Loans held for sale	31,282	16,972
Loans receivable, net
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure
Mortgage servicing rights
Financial liabilities:
Deposits	3,413,608	2,721,885
Short-term borrowed funds	437,669	405,532
Long-term debt	54,215	61,853
Derivative liabilities	40	295
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Cash and due from banks
Interest-bearing cash
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost
Other investments
Derivative assets	1,653	1,602
Loans held for sale	31,282	16,972
Loans receivable, net
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure
Mortgage servicing rights
Deposits	3,413,608	2,721,885
Short-term borrowed funds	437,669	405,532
Long-term debt	54,215	61,853
Derivative liabilities	40	295
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Cash and due from banks
Interest-bearing cash
Securities available-for-sale
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets
Loans held for sale
Loans receivable, net	3,214,179	2,506,384
Accrued interest receivable
Real estate acquired through foreclosure	2,325	1,534
Mortgage servicing rights	31,410	40,880
Financial liabilities:
Deposits
Short-term borrowed funds
Long-term debt
Derivative liabilities
Drafts outstanding
Advances from borrowers for insurance and taxes
Accrued interest payable
Dividends payable to stockholders
Cash and due from banks
Interest-bearing cash
Securities available-for-sale
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets
Loans held for sale
Loans receivable, net	3,214,179	2,506,384
Accrued interest receivable
Real estate acquired through foreclosure	2,325	1,534
Mortgage servicing rights	31,410	40,880
Deposits
Short-term borrowed funds
Long-term debt
Derivative liabilities
Drafts outstanding
Advances from borrowers for insurance and taxes
Accrued interest payable
Dividends payable to stockholders
Reported Value Measurement [Member]
Financial assets:
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972
Loans receivable, net	3,211,416	2,509,873
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure	2,325	1,534
Mortgage servicing rights	25,941	32,933
Financial liabilities:
Deposits	3,408,361	2,718,193
Short-term borrowed funds	437,700	405,500
Long-term debt	54,875	59,436
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972
Loans receivable, net	3,211,416	2,509,873
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure	2,325	1,534
Mortgage servicing rights	25,941	32,933
Deposits	3,408,361	2,718,193
Short-term borrowed funds	437,700	405,500
Long-term debt	54,875	59,436
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Estimate of Fair Value Measurement [Member]
Financial assets:
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972
Loans receivable, net	3,214,179	2,506,384
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure	2,325	1,534
Mortgage servicing rights	31,410	40,880
Financial liabilities:
Deposits	3,413,608	2,721,885
Short-term borrowed funds	437,669	405,532
Long-term debt	54,215	61,853
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	2,227	1,576
Cash and due from banks	41,411	28,857
Interest-bearing cash	91,792	33,276
Securities available-for-sale	879,235	842,801
Federal Home Loan Bank stock, at cost	23,280	21,696
Other investments	3,521	3,450
Derivative assets	1,791	4,032
Loans held for sale	31,282	16,972
Loans receivable, net	3,214,179	2,506,384
Accrued interest receivable	14,951	13,494
Real estate acquired through foreclosure	2,325	1,534
Mortgage servicing rights	31,410	40,880
Deposits	3,413,608	2,721,885
Short-term borrowed funds	437,669	405,532
Long-term debt	54,215	61,853
Derivative liabilities	3,427	1,232
Drafts outstanding	8,193	8,129
Advances from borrowers for insurance and taxes	3,288	4,100
Accrued interest payable	2,450	1,591
Dividends payable to stockholders	$ 2,227	$ 1,576

ESTIMATED FAIR VALUE OF FINAN_7

ESTIMATED FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 5) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability	$ 659,126	$ 379,170
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability	23,761	13,797
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability

OFF-BALANCE SHEET FINANCIAL I_2

OFF-BALANCE SHEET FINANCIAL INSTRUMENTS AND CONCENTRATIONS OF CREDIT RISK (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Off-balance Sheet Financial Instruments And Concentrations Of Credit Risk
Commitments to extend credit	$ 659,100	$ 379,200
Stand by letter of credit	$ 23,800	$ 13,800

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retirement Benefits [Abstract]
Defined Contribution Plan, Employer Matching Contribution (As a percent)	75.00%	75.00%
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Compensation	6.00%	6.00%
Defined Benefit Plan, Contributions by Employer	$ 1,000	$ 1,000	$ 800

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Earnings per common share:
Weighted average shares outstanding	22,168,082	21,756,595	16,317,501
Effect of dilutive securities	217,045	216,262	232,856
Weighted average shares outstanding	22,385,127	21,972,857	16,550,357

EARNINGS PER COMMON SHARE (De_2

EARNINGS PER COMMON SHARE (Details 2) - shares	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Earnings per common share:
Issued and outstanding shares	24,777,608	22,387,009	21,022,202
Less nonvested restricted stock awards	(112,549)	(117,966)	(134,302)
Period end dilutive shares	24,665,059	22,269,043	20,887,900

CAPITAL REQUIREMENTS AND OTHE_3

CAPITAL REQUIREMENTS AND OTHER RESTRICTIONS (Details) $ in Thousands	Dec. 31, 2019USD ($)
Parent Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital to risk-weighted assets, Actual Amount	$ 534,742
CET1 capital to risk-weighted assets, Actual Percent	15.10%
CET1 capital (to risk weighted assets, minimum capital required basel III phase-in schedule, capital amount	$ 247,915
CET1 capital (to risk weighted assets) Minimum Capital Required Basel III Phase In Schedule, Ratio	7.00%
Total Capital Required for Capital Adequacy Minimum Capital Required Basel III Phase In Schedule, Capital Amount	$ 247,915
Total Capital Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Phase In Schedule, Ratio	7.00%
Tier I capital to risk-weighted assets, Actual Amount	$ 566,240
Tier I capital to risk-weighted assets, Actual Percent	15.99%
[custom:CommonEquityTierOneCapitalRequiredForCapitalAdequacyMinimumCapitalRequiredBaselIIIFullyPhasedIn-0]	$ 301,040
CET1 capital (to riCET1 capital (to risk weighted assets) Minimum Capital Required Basel III Fully Phased In, Ratio	8.50%
Total Capital Required for Capital Adequacy Minimum Capital Required Basel III Fully Phased In, Capital Amount	$ 301,040
Total Capital Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Fully Phased In, Ratio	8.50%
Total Capital to risk-weighted assets, Actual Amount	$ 592,908
Total Capital to risk-weighted assets, Actual Percent	16.74%
Tier I Capital Required for Capital Adequacy Minimum Capital Required Basel III Phase In Schedule, Capital Amount	$ 371,873
Tier I Capital Required for Capital Adequacy to Average Assets Minimum Capital Required Basel III Phase In Schedule, Ratio	1050.00%
Tier 1 capital (to total average assets) Required For Capital Adequacy Minimum Capital Required Basel III Phase In Schedule, Capital Amount	$ 371,873
Tier 1 capital (to total average assets) Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Phase In Schedule, Ratio	10.50%
Tier I capital to total average assets, Actual Amount	$ 566,240
Tier I capital to total average assets, Actual Percent	15.03%
Tier I Capital Required for Capital Adequacy Minimum Capital Required Basel III Fully Phased In, Capital Amount	$ 150,695
Tier I Capital Required for Capital Adequacy to Average Assets Minimum Capital Required Basel III Fully Phased In, Ratio	4.00%
Tier 1 capital (to total average assets) Required For Capital Adequacy Minimum Capital Required Basel III Fully Phased In, Capital Amount	$ 150,695
Tier 1 capital (to total average assets) Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Fully Phased In, Ratio	4.00%
Subsidiaries [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital to risk-weighted assets, Actual Amount	$ 580,752
CET1 capital to risk-weighted assets, Actual Percent	16.41%
CET1 capital (to risk weighted assets, minimum capital required basel III phase-in schedule, capital amount	$ 247,744
CET1 capital (to risk weighted assets) Minimum Capital Required Basel III Phase In Schedule, Ratio	7.00%
Total Capital Required for Capital Adequacy Minimum Capital Required Basel III Phase In Schedule, Capital Amount	$ 247,744
Total Capital Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Phase In Schedule, Ratio	7.00%
Tier I capital to risk-weighted assets, Actual Amount	$ 580,752
Tier I capital to risk-weighted assets, Actual Percent	16.41%
[custom:CommonEquityTierOneCapitalRequiredForCapitalAdequacyMinimumCapitalRequiredBaselIIIFullyPhasedIn-0]	$ 300,832
CET1 capital (to riCET1 capital (to risk weighted assets) Minimum Capital Required Basel III Fully Phased In, Ratio	8.50%
Total Capital Required for Capital Adequacy Minimum Capital Required Basel III Fully Phased In, Capital Amount	$ 300,832
Total Capital Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Fully Phased In, Ratio	8.50%
Total Capital to risk-weighted assets, Actual Amount	$ 597,273
Total Capital to risk-weighted assets, Actual Percent	16.88%
Tier I Capital Required for Capital Adequacy Minimum Capital Required Basel III Phase In Schedule, Capital Amount	$ 371,616
Tier I Capital Required for Capital Adequacy to Average Assets Minimum Capital Required Basel III Phase In Schedule, Ratio	1050.00%
Tier 1 capital (to total average assets) Required For Capital Adequacy Minimum Capital Required Basel III Phase In Schedule, Capital Amount	$ 371,616
Tier 1 capital (to total average assets) Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Phase In Schedule, Ratio	10.50%
Tier I capital to total average assets, Actual Amount	$ 580,752
Tier I capital to total average assets, Actual Percent	15.42%
Tier I Capital Required for Capital Adequacy Minimum Capital Required Basel III Fully Phased In, Capital Amount	$ 150,663
Tier I Capital Required for Capital Adequacy to Average Assets Minimum Capital Required Basel III Fully Phased In, Ratio	4.00%
Tier 1 capital (to total average assets) Required For Capital Adequacy Minimum Capital Required Basel III Fully Phased In, Capital Amount	$ 150,663
Tier 1 capital (to total average assets) Required for Capital Adequacy to Risk Weighted Assets Minimum Capital Required Basel III Fully Phased In, Ratio	4.00%
CET1 capital to risk-weighted assets, Required to be Categorized Well Capitalized, Amount	$ 230,048
CET1 capital to risk-weighted assets, Required to be Categorized Well Capitalized, Percent	6.50%
Tier I capital to risk-weighted assets, Required to be Categorized Well Capitalized, Amount	$ 283,136
Tier I capital to risk-weighted assets, Required to be Categorized Well Capitalized, Percent	8.00%
Total Capital to risk-weighted assets, Required to be Categorized Well Capitalized, Amount	$ 353,920
Total Capital to risk-weighted assets, Required to be Categorized Well Capitalized, Percent	10.00%
Tier I capital to total average assets, Required to be Categorized Well Capitalized, Amount	$ 188,329
Tier I capital to total average assets, Required to be Categorized Well Capitalized, Percent	5.00%

SUPPLEMENTAL SEGMENT INFORMAT_3

SUPPLEMENTAL SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Interest income	$ 44,386	$ 45,814	$ 44,135	$ 42,781	$ 42,919	$ 40,985	$ 39,477	$ 37,676	$ 177,116	$ 161,058	$ 95,087
Interest expense	9,073	9,631	9,852	9,310	8,027	7,102	6,572	5,545	37,866	27,248	13,253
Net interest income (expense)	35,313	36,183	34,283	33,471	34,892	33,883	32,905	32,131	139,250	133,810	81,834
Provision for loan losses	580	620	680	700	750	750	559		2,580	2,059	779
Noninterest income from external customers	13,291	12,716	11,231	9,871	8,520	10,300	11,027	10,048	47,110	39,896	33,916
Intersegment noninterest income
Noninterest expense	26,559	26,907	25,478	24,147	23,237	24,002	24,371	37,598	103,092	109,208	73,445
Intersegment noninterest expense
Income (loss) before income taxes	21,465	21,372	19,356	18,495	19,425	19,431	19,002	4,581	80,688	62,439	41,526
Income tax expense (benefit)	4,972	4,744	4,282	3,950	3,981	4,227	4,036	525	17,948	12,769	12,961
Net income (loss)	16,493	$ 16,628	$ 15,074	$ 14,545	15,444	$ 15,204	$ 14,966	$ 4,056	62,740	49,670	28,565
Assets	4,708,873				3,790,748				4,708,873	3,790,748	3,519,017
Loans receivable, net	3,211,416				2,509,873				3,211,416	2,509,873	2,308,050
Loans held for sale	31,282				16,972				31,282	16,972	35,292
Deposits	3,408,361				2,718,193				3,408,361	2,718,193	2,604,929
Borrowed funds	492,575				464,936				492,575	464,936	412,759
Community Banking [Member]
Segment Reporting Information [Line Items]
Interest income									175,726	159,483	93,319
Interest expense									35,736	25,227	12,100
Net interest income (expense)									139,990	134,256	81,219
Provision for loan losses									2,709	2,034	779
Noninterest income from external customers									21,384	18,680	14,262
Intersegment noninterest income									966	966	966
Noninterest expense									77,921	89,459	55,900
Intersegment noninterest expense
Income (loss) before income taxes									81,710	62,409	39,768
Income tax expense (benefit)									18,328	12,785	12,929
Net income (loss)									63,382	49,624	26,839
Assets	4,707,151				3,786,360				4,707,151	3,786,360	3,516,551
Loans receivable, net	3,202,616				2,494,421				3,202,616	2,494,421	2,295,316
Loans held for sale	996				1,450				996	1,450	5,999
Deposits	3,418,646				2,724,920				3,418,646	2,724,920	2,611,106
Borrowed funds	449,814				432,500				449,814	432,500	380,500
Mortgage Banking [Member]
Segment Reporting Information [Line Items]
Interest income									1,695	1,841	1,743
Interest expense									483	414	172
Net interest income (expense)									1,212	1,427	1,571
Provision for loan losses									(129)	25
Noninterest income from external customers									25,652	21,106	19,654
Intersegment noninterest income									17	99	67
Noninterest expense									24,004	18,631	16,614
Intersegment noninterest expense									960	960	966
Income (loss) before income taxes									2,046	3,016	3,712
Income tax expense (benefit)									474	701	1,262
Net income (loss)									1,572	2,315	2,450
Assets	75,719				84,335				75,719	84,335	81,681
Loans receivable, net	14,266				30,879				14,266	30,879	28,206
Loans held for sale	30,286				15,522				30,286	15,522	29,293
Deposits
Borrowed funds	5,100				14,951				5,100	14,951	15,000
Other Segments [Member]
Segment Reporting Information [Line Items]
Interest income									59	56	31
Interest expense									2,138	2,025	1,152
Net interest income (expense)									(2,079)	(1,969)	(1,121)
Provision for loan losses
Noninterest income from external customers									74	110
Intersegment noninterest income
Noninterest expense									1,167	1,117	931
Intersegment noninterest expense									6	6	1
Income (loss) before income taxes									(3,178)	(2,982)	(2,053)
Income tax expense (benefit)									(879)	(716)	(1,267)
Net income (loss)									(2,299)	(2,266)	(786)
Assets	790,017				610,167				790,017	610,167	503,144
Loans receivable, net
Loans held for sale
Deposits
Borrowed funds	42,761				32,436				42,761	32,436	32,259
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Interest income									(364)	(322)	(6)
Interest expense									(491)	(418)	(171)
Net interest income (expense)									127	96	165
Provision for loan losses
Noninterest income from external customers
Intersegment noninterest income									(983)	(1,065)	(1,033)
Noninterest expense										1
Intersegment noninterest expense									(966)	(966)	(967)
Income (loss) before income taxes									110	(4)	99
Income tax expense (benefit)									25	(1)	37
Net income (loss)									85	(3)	62
Assets	(864,014)				(690,114)				(864,014)	(690,114)	(582,359)
Loans receivable, net	(5,466)				(15,427)				(5,466)	(15,427)	(15,472)
Loans held for sale
Deposits	(10,285)				(6,727)				(10,285)	(6,727)	(6,177)
Borrowed funds	$ (5,100)				$ (14,951)				$ (5,100)	$ (14,951)	$ (15,000)

SUMMARIZED QUARTERLY INFORMAT_3

SUMMARIZED QUARTERLY INFORMATION (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 44,386	$ 45,814	$ 44,135	$ 42,781	$ 42,919	$ 40,985	$ 39,477	$ 37,676	$ 177,116	$ 161,058	$ 95,087
Interest expense	9,073	9,631	9,852	9,310	8,027	7,102	6,572	5,545	37,866	27,248	13,253
Net interest income	35,313	36,183	34,283	33,471	34,892	33,883	32,905	32,131	139,250	133,810	81,834
Provision for loan losses	580	620	680	700	750	750	559		2,580	2,059	779
Noninterest income	13,291	12,716	11,231	9,871	8,520	10,300	11,027	10,048	47,110	39,896	33,916
Noninterest expense	26,559	26,907	25,478	24,147	23,237	24,002	24,371	37,598	103,092	109,208	73,445
Income before income taxes	21,465	21,372	19,356	18,495	19,425	19,431	19,002	4,581	80,688	62,439	41,526
Income tax expense	4,972	4,744	4,282	3,950	3,981	4,227	4,036	525	17,948	12,769	12,961
Net income	$ 16,493	$ 16,628	$ 15,074	$ 14,545	$ 15,444	$ 15,204	$ 14,966	$ 4,056	$ 62,740	$ 49,670	$ 28,565
Earnings per common share:
Basic	$ 0.74	$ 0.75	$ 0.68	$ 0.66	$ 0.69	$ 0.67	$ 0.70	$ 0.19	$ 2.83	$ 2.28	$ 1.75
Diluted	$ 0.74	$ 0.74	$ 0.67	$ 0.65	$ 0.68	$ 0.66	$ 0.70	$ 0.19	$ 2.80	$ 2.26	$ 1.73

PARENT COMPANY FINANCIAL INFO_3

PARENT COMPANY FINANCIAL INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Interest income									$ 568	$ 580	$ 350
Total income	$ 44,386	$ 45,814	$ 44,135	$ 42,781	$ 42,919	$ 40,985	$ 39,477	$ 37,676	177,116	161,058	95,087
Interest expense	9,073	9,631	9,852	9,310	8,027	7,102	6,572	5,545	37,866	27,248	13,253
(Loss) before income taxes and equity in undistributed earnings of subsidiaries	21,465	21,372	19,356	18,495	19,425	19,431	19,002	4,581	80,688	62,439	41,526
Income tax expense (benefit)	4,972	4,744	4,282	3,950	3,981	4,227	4,036	525	17,948	12,769	12,961
Net income	$ 16,493	$ 16,628	$ 15,074	$ 14,545	$ 15,444	$ 15,204	$ 14,966	$ 4,056	62,740	49,670	28,565
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Interest income									60	56	31
Total income									60	56	31
Interest expense									2,138	2,025	1,152
General and administrative expenses									1,100	1,013	932
Total expenses									3,238	3,038	2,084
(Loss) before income taxes and equity in undistributed earnings of subsidiaries									(3,178)	(2,982)	(2,053)
Income tax expense (benefit)									(879)	(716)	(1,267)
(Loss) before equity in undistributed earnings of subsidiaries									(2,299)	(2,266)	(786)
Equity in undistributed earnings of CresCom Bank									65,039	51,936	29,351
Total equity in undistributed earnings of subsidiaries									65,039	51,936	29,351
Net income									$ 62,740	$ 49,670	$ 28,565

PARENT COMPANY FINANCIAL INFO_4

PARENT COMPANY FINANCIAL INFORMATION (Details 2) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets:
Cash and cash equivalents	$ 133,203	$ 62,133	$ 81,252	$ 24,352
Securities available-for-sale	879,235	842,801
Other assets	19,453	12,396
Total assets	4,708,873	3,790,748	3,519,017
Liabilities and stockholders' equity:
Accrued expenses and other liabilities	26,427	14,414
Long-term debt	54,875	59,436
Stockholders' equity	743,440	575,285	475,381	163,190
Total liabilities and stockholders' equity	4,708,873	3,790,748
Parent Company [Member]
Assets:
Cash and cash equivalents	8,499	5,371	$ 4,919	$ 3,506
Investment in bank subsidiary	790,566	597,899
Investment in unconsolidated statutory business trusts	1,116	1,116
Securities available-for-sale	1	1
Other assets	922	7,047
Total assets	801,104	611,434
Liabilities and stockholders' equity:
Accrued expenses and other liabilities	14,903	3,713
Long-term debt	42,761	32,436
Stockholders' equity	743,440	575,285
Total liabilities and stockholders' equity	$ 801,104	$ 611,434

PARENT COMPANY FINANCIAL INFO_5

PARENT COMPANY FINANCIAL INFORMATION (Details 3) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 16,493	$ 16,628	$ 15,074	$ 14,545	$ 15,444	$ 15,204	$ 14,966	$ 4,056	$ 62,740	$ 49,670	$ 28,565
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation									3,143	2,700	1,658
Vested stock awards surrendered in cashless exercise									(1,496)	(774)	(1,789)
Decrease (increase) in other assets									(5,865)	10,670	(29,271)
Increase (decrease) in other liabilities									126	106	(6,588)
Net cash provided by (used in) operating activities									57,784	69,406	(8,678)
Cash flows from investing activities:
Sales and maturities of available for sale securities									125,305	105,005	77,781
Net cash (paid) received from acquisitions									72,285		122,320
Net cash provided by (used in) investing activities									(120,569)	(308,000)	(167,221)
Cash flows from financing activities:
Issuance of common stock, net of offering expenses										63,022	47,671
Stock options exercised									961	56	10
Stock repurchase plan, net of commission									(7,115)	(5,381)
Excess tax benefit in connection with equity awards											439
Cash dividends paid on common stock									(8,021)	(5,563)	(2,371)
Net cash (used in) provided by financing activities									133,855	219,475	232,799
Net increase in cash and cash equivalents									71,070	(19,119)	56,900
Cash and cash equivalents, beginning of period				62,133				81,252	62,133	81,252	24,352
Cash and cash equivalents, end of period	133,203				62,133				133,203	62,133	81,252
Parent Company [Member]
Cash flows from operating activities:
Net income									62,740	49,670	28,565
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings in subsidiaries									(65,039)	(51,936)	(29,351)
Stock-based compensation									3,143	2,700	1,658
Vested stock awards surrendered in cashless exercise									(1,496)	(774)	(1,789)
Decrease (increase) in other assets									6,452	(5,423)	1,053
Increase (decrease) in other liabilities									4	1,581	(3,456)
Net cash provided by (used in) operating activities									5,804	(4,182)	(3,320)
Cash flows from investing activities:
Equity contribution in bank subsidiaries										(60,000)	(35,000)
Sales and maturities of available for sale securities										500
Sale or repayment of investments to subsidiaries									9,000	12,000
Net cash (paid) received from acquisitions									2,375		(6,016)
Net cash provided by (used in) investing activities									11,375	(47,500)	(41,016)
Cash flows from financing activities:
Issuance of common stock, net of offering expenses									124	63,022	47,671
Stock options exercised									961	56	10
Stock repurchase plan, net of commission									(7,115)	(5,381)
Excess tax benefit in connection with equity awards											439
Cash dividends paid on common stock									(8,021)	(5,563)	(2,371)
Net cash (used in) provided by financing activities									(14,051)	52,134	45,749
Net increase in cash and cash equivalents									3,128	452	1,413
Cash and cash equivalents, beginning of period				$ 5,371				$ 4,919	5,371	4,919	3,506
Cash and cash equivalents, end of period	$ 8,499				$ 5,371				$ 8,499	$ 5,371	$ 4,919