0001466026-23-000024 | 10-Q | XBRL Viewer | Midland States Bancorp INC

LOAN SERVICING RIGHTS (Tables)

6 Months Ended

Jun. 30, 2023

Schedule of Other Mortgage Notes Serviced and Changes in our Mortgage Servicing Rights

A summary of loan servicing rights at June 30, 2023 and December 31, 2022 is as follows:


	June 30, 2023				December 31, 2022
(dollars in thousands)	Serviced Loans		Carrying Value		Serviced Loans		Carrying Value
Commercial FHA	$	2,165,150	$	20,473	$	—	$	—
SBA	$	46,279	$	649	$	46,081	$	656
Residential	240,230		489		255,298		549
Commercial FHA held for sale	—		—		2,255,617		20,745
Total	$	2,451,659	$	21,611	$	2,556,996	$	21,950

LOAN SERVICING RIGHTS

6 Months Ended

Jun. 30, 2023

Transfers and Servicing [Abstract]

LOAN SERVICING RIGHTS

A summary of loan servicing rights at June 30, 2023 and December 31, 2022 is as follows:


	June 30, 2023				December 31, 2022
(dollars in thousands)	Serviced Loans		Carrying Value		Serviced Loans		Carrying Value
Commercial FHA	$	2,165,150	$	20,473	$	—	$	—
SBA	$	46,279	$	649	$	46,081	$	656
Residential	240,230		489		255,298		549
Commercial FHA held for sale	—		—		2,255,617		20,745
Total	$	2,451,659	$	21,611	$	2,556,996	$	21,950

Commercial FHA Mortgage Loan Servicing

During the third quarter of 2022, the Company committed to a plan to sell our commercial FHA servicing portfolio and, therefore, transferred $24.0 million to commercial FHA servicing rights held for sale. At June 30, 2023, the Company abandoned its plans to sell this servicing asset and removed this asset from held for sale at lower of cost or fair value with no gain or loss recognized.

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details

EARNINGS PER COMMON SHARE - Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Earnings Per Share [Abstract]
Net income	$ 21,575	$ 21,883	$ 43,347	$ 42,632
Preferred dividends declared	(2,228)	0	(4,456)	0
Net income available to common shareholders	19,347	21,883	38,891	42,632
Common shareholder dividends	(6,579)	(6,397)	(13,248)	(12,786)
Unvested restricted stock award dividends	(80)	(73)	(160)	(148)
Undistributed earnings to unvested restricted stock awards	(149)	(171)	(300)	(334)
Undistributed earnings to common shareholders	12,539	15,242	25,183	29,364
Basic
Distributed earnings to common shareholders	6,579	6,397	13,248	12,786
Undistributed earnings to common shareholders	12,539	15,242	25,183	29,364
Total common shareholders earnings, basic	19,118	21,639	38,431	42,150
Diluted
Distributed earnings to common shareholders	6,579	6,397	13,248	12,786
Undistributed earnings to common shareholders	12,539	15,242	25,183	29,364
Total common shareholders earnings, basic	19,118	21,639	38,431	42,150
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	1	0	1
Total common shareholders earnings, diluted	$ 19,118	$ 21,640	$ 38,431	$ 42,151
Weighted average common shares outstanding, basic (in shares)	22,200,917	22,305,590	22,338,627	22,290,486
Options (in shares)	4,162	55,229	10,354	65,450
Weighted average common shares outstanding, diluted (in shares)	22,205,079	22,360,819	22,348,981	22,355,936
Basic earnings per common share (in dollars per share)	$ 0.86	$ 0.97	$ 1.72	$ 1.89
Diluted earnings per common share (in dollars per share)	$ 0.86	$ 0.97	$ 1.72	$ 1.89

FHLB ADVANCES AND OTHER BORROWINGS - Summary of FHLB Advances (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 575,000	$ 460,000
FHLB advances, collateral for mortgage and home equity line of credit loans	2,970,000	2,900,000
Midland States Bank \| Fixed rate fixed term maturing February 2028
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 55,000	0
Interest rate	4.18%
Midland States Bank \| Putable fixed rate maturing through February 2028
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 160,000	$ 110,000
Interest rate	2.70%	2.35%
Midland States Bank \| Floater rate maturing October 2023
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 100,000	$ 100,000
Midland States Bank \| Floater rate maturing October 2023 \| Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
FHLB ADVANCES AND OTHER BORROWINGS
Interest rate	6.68%	5.92%
Midland States Bank \| Short term fixed rate maturing through July 2023
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 260,000	$ 250,000
Interest rate	5.18%	4.31%

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY—(UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.30	$ 0.29	$ 0.60	$ 0.58
Preferred dividend declared, per share (in dollars per share)	$ 19.375		$ 38.750

LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Risk category
Total	$ 4,034	$ 3,421	$ 6,433	$ 6,423
Commercial Loan Portfolio
Risk category
2023	46		46
2022	649		1,208
2021	102		166
2020	127		127
2019	87		96
Prior	1,938		3,021
Revolving Loans	0		0
Total	2,949		4,664
Commercial Loan Portfolio \| Commercial
Risk category
2023	10		10
2022	0		0
2021	0		0
2020	22		22
2019	18		27
Prior	60		71
Revolving Loans	0		0
Total	110		130
Commercial Loan Portfolio \| Commercial other
Risk category
2023	36		36
2022	649		1,208
2021	102		166
2020	105		105
2019	69		69
Prior	0		326
Revolving Loans	0		0
Total	961		1,910
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Risk category
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2019	0		0
Prior	0		0
Revolving Loans	0		0
Total	0		0
Commercial Loan Portfolio \| Commercial real estate owner occupied
Risk category
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2019	0		0
Prior	1,481		1,481
Revolving Loans	0		0
Total	1,481		1,481
Commercial Loan Portfolio \| Multi-family
Risk category
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2019	0		0
Prior	63		809
Revolving Loans	0		0
Total	63		809
Commercial Loan Portfolio \| Farmland
Risk category
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2019	0		0
Prior	0		0
Revolving Loans	0		0
Total	0		0
Commercial Loan Portfolio \| Construction and land development
Risk category
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2019	0		0
Prior	334		334
Revolving Loans	0		0
Total	334	0	334	6
Residential Loan Portfolio \| Residential first lien
Risk category
2023	0		0
2022	0		0
2021	0		9
2020	3		3
2019	7		7
Prior	0		0
Revolving Loans	0		0
Total	10		19
Residential Loan Portfolio \| Other residential
Risk category
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2019	0		0
Prior	0		9
Revolving Loans	44		57
Total	44		66
Consumer Loan Portfolio \| Consumer
Risk category
2023	0		0
2022	0		1
2021	4		9
2020	11		11
2019	26		31
Prior	13		33
Revolving Loans	0		0
Total	54		85
Consumer Loan Portfolio \| Consumer other
Risk category
2023	18		18
2022	30		83
2021	7		39
2020	2		16
2019	1		32
Prior	148		250
Revolving Loans	0		0
Total	206		438
Lease Loan Portfolio
Risk category
2023	0		0
2022	336		393
2021	343		535
2020	52		135
2019	0		22
Prior	40		76
Revolving Loans	0		0
Total	771	$ 499	1,161	$ 705
Loan Portfolios, Excluding Commercial
Risk category
2023	18		18
2022	366		477
2021	354		592
2020	68		165
2019	34		92
Prior	201		368
Revolving Loans	44		57
Total	$ 1,085		$ 1,769

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Investment securities available for sale
Amortized cost	$ 988,643	$ 873,023
Gross unrealized gains	648	601
Gross unrealized losses	106,576	105,390
Fair value	882,715	768,234
U.S. Treasury securities
Investment securities available for sale
Amortized cost	46,636	86,313
Gross unrealized gains	0	113
Gross unrealized losses	3,890	5,196
Fair value	42,746	81,230
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	77,510	41,775
Gross unrealized gains	0	71
Gross unrealized losses	4,052	4,337
Fair value	73,458	37,509
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	612,214	522,028
Gross unrealized gains	640	268
Gross unrealized losses	74,220	74,146
Fair value	538,634	448,150
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	69,921	24,922
Gross unrealized gains	0	0
Gross unrealized losses	4,010	4,168
Fair value	65,911	20,754
State and municipal securities
Investment securities available for sale
Amortized cost	64,481	102,719
Gross unrealized gains	8	149
Gross unrealized losses	6,995	8,232
Fair value	57,494	94,636
Collateralized loan obligations
Investment securities available for sale
Amortized cost	22,709
Gross unrealized gains	0
Gross unrealized losses	0
Fair value	22,709
Corporate securities
Investment securities available for sale
Amortized cost	95,172	95,266
Gross unrealized gains	0	0
Gross unrealized losses	13,409	9,311
Fair value	$ 81,763	$ 85,955

SHORT-TERM BORROWINGS (Details) - USD ($)	6 Months Ended	12 Months Ended
SHORT-TERM BORROWINGS (Details) - USD ($)	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022
Short-term Debt [Line Items]
Outstanding at period-end	$ 21,783,000	$ 42,311,000
Average amount outstanding	30,291,000	58,688,000
Maximum amount outstanding at any month end	$ 43,718,000	$ 76,807,000
Weighted average interest rate:
During period	0.26%	0.18%
End of period	0.25%	0.26%
Short-Term Borrowings
Investment securities pledged/collateralized for secured borrowings	$ 28,800,000	$ 46,100,000
Line of credit	0		$ 0
Loans	6,367,344,000	6,306,467,000
Line of credit facility, maximum borrowing capacity	339,000,000
Commercial Real Estate [Member] \| Asset Pledged as Collateral
Short-Term Borrowings
Loans	211,200,000	14,300,000
Federal Reserve Discount Window
Short-Term Borrowings
Line of credit	$ 184,100,000	$ 12,200,000

PREMISES, EQUIPMENT AND LEASES - Projected Minimum Rental Payments (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
2023 remaining	$ 947
2024	2,020
2025	1,103
2026	975
2027	875
Thereafter	4,704
Total future minimum lease payments	10,624
Less imputed interest	(1,357)
Total operating lease liabilities	$ 9,267	$ 8,900

DERIVATIVE INSTRUMENTS (Tables)

6 Months Ended

Jun. 30, 2023

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Derivative Instruments, Fair Value and Notional Amounts

The following table summarizes the interest rate lock commitments and forward commitments to sell mortgage-backed securities held by the Company, their notional amount and estimated fair values at June 30, 2023 and December 31, 2022:


	Notional amount				Fair value gain
(dollars in thousands)	June 30, 2023		December 31, 2022		June 30, 2023		December 31, 2022
Derivative instruments (included in other assets):
Interest rate lock commitments	$	6,127	$	2,078	$	119	$	49
Forward commitments to sell mortgage-backed securities	8,831		—		55		—
Total	$	14,958	$	2,078	$	174	$	49


	Notional amount				Fair value loss
(dollars in thousands)	June 30, 2023		December 31, 2022		June 30, 2023		December 31, 2022
Derivative instruments (included in other liabilities):
Interest rate lock commitments	$	—	$	4,419	$	—	$	15
Forward commitments to sell mortgage-backed securities	—		6,669		—		—
Total	$	—	$	11,088	$	—	$	15

The following table summarizes the Company's receive-fixed, pay-variable interest rate swaps on certain pools of loans indexed to prime at June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023			December 31, 2022
Notional Amount	$	225,000		$	200,000
Fair value loss included in other liabilities	(10,124)			(9,999)
Tax effected amount included in accumulated other comprehensive (loss) income	(7,391)			(7,300)
Average remaining life	3.09			3.37
Weighted average pay rate	7.71		%	7.23		%
Weighted average receive rate	5.43		%	5.48		%

SUBORDINATED DEBT - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023	Jun. 30, 2022
Subordinated Borrowing [Line Items]
Repayments of subordinated debt		$ 5,845	$ 0
Gain on repurchase		676	$ 0
5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Repayments of subordinated debt	$ 6,000
Gain on repurchase	700
6.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Repurchased amount	$ 600	$ 600
Redemption price percentage	100.00%

EARNINGS PER COMMON SHARE (Tables)

6 Months Ended

Jun. 30, 2023

Earnings Per Share [Abstract]

Schedule of Basic and Diluted Earnings per Common Share

Presented below are the calculations for basic and diluted earnings per common share for the three and six months ended June 30, 2023 and 2022:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands, except per share data)	2023		2022		2023		2022
Net income	$	21,575	$	21,883	$	43,347	$	42,632
Preferred dividends declared	(2,228)		—		(4,456)		—

Net income available to common shareholders	19,347		21,883		38,891		42,632
Common shareholder dividends	(6,579)		(6,397)		(13,248)		(12,786)
Unvested restricted stock award dividends	(80)		(73)		(160)		(148)
Undistributed earnings to unvested restricted stock awards	(149)		(171)		(300)		(334)
Undistributed earnings to common shareholders	$	12,539	$	15,242	$	25,183	$	29,364
Basic
Distributed earnings to common shareholders	$	6,579	$	6,397	$	13,248	$	12,786
Undistributed earnings to common shareholders	12,539		15,242		25,183		29,364
Total common shareholders earnings, basic	$	19,118	$	21,639	$	38,431	$	42,150
Diluted
Distributed earnings to common shareholders	$	6,579	$	6,397	$	13,248	$	12,786
Undistributed earnings to common shareholders	12,539		15,242		25,183		29,364
Total common shareholders earnings	19,118		21,639		38,431		42,150
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	—		1		—		1
Total common shareholders earnings, diluted	$	19,118	$	21,640	$	38,431	$	42,151
Weighted average common shares outstanding, basic	22,200,917		22,305,590		22,338,627		22,290,486
Options	4,162		55,229		10,354		65,450
Weighted average common shares outstanding, diluted	22,205,079		22,360,819		22,348,981		22,355,936
Basic earnings per common share	$	0.86	$	0.97	$	1.72	$	1.89
Diluted earnings per common share	0.86		0.97		1.72		1.89

EARNINGS PER COMMON SHARE - Narrative (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Stock option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	375,912	60,698	375,912	60,698

DEPOSITS

6 Months Ended

Jun. 30, 2023

Deposits [Abstract]

DEPOSITS

The following table summarizes the classification of deposits as of June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023		December 31, 2022
Noninterest-bearing demand	$	1,162,909	$	1,362,158
Interest-bearing:
Checking	2,499,693		2,494,073
Money market	1,226,470		1,184,101
Savings	624,005		661,932
Time	913,471		662,388
Total deposits	$	6,426,548	$	6,364,652

PREMISES, EQUIPMENT AND LEASES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Depreciation on premises and equipment	$ 1,200	$ 1,200	$ 2,419	$ 2,445
Renewal term of lease (in years)	10 years		10 years
Operating lease right-of-use asset	$ 7,500		$ 7,500		$ 7,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises and equipment, net		Premises and equipment, net		Premises and equipment, net
Operating lease liabilities	$ 9,267		$ 9,267		$ 8,900
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities		Accrued interest payable and other liabilities		Accrued interest payable and other liabilities
Minimum
Property, Plant and Equipment [Line Items]
Remaining lease terms	8 months		8 months
Maximum
Property, Plant and Equipment [Line Items]
Remaining lease terms	15 years		15 years

COMMITMENTS, CONTINGENCIES AND CREDIT RISK

6 Months Ended

Jun. 30, 2023

Commitments and Contingencies Disclosure [Abstract]

COMMITMENTS, CONTINGENCIES AND CREDIT RISK

In the normal course of business, there are outstanding various contingent liabilities such as claims and legal actions, which are not reflected in the consolidated financial statements. No material losses are anticipated as a result of these actions or claims.

We are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance

sheet. The contract amounts of those instruments reflect the extent of involvement we have in particular classes of financial instruments.

Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank used the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The commitments are principally tied to variable rates. Loan commitments as of June 30, 2023 and December 31, 2022 were as follows:


(dollars in thousands)	June 30, 2023		December 31, 2022
Commitments to extend credit	$	1,083,981	$	1,276,263
Financial guarantees – standby letters of credit	22,884		23,748

The Company establishes a mortgage repurchase liability to reflect management’s estimate of losses on loans for which the Company could have a repurchase obligation based on the volume of loans sold in 2023 and years prior, borrower default expectations, historical investor repurchase demand and appeals success rates, and estimated loss severity. Loans repurchased from investors are initially recorded at fair value, which becomes the Company’s new accounting basis. Any difference between the loan’s fair value and the outstanding principal amount is charged or credited to the mortgage repurchase liability, as appropriate. Subsequent to repurchase, such loans are carried in loans receivable. There were no losses as a result of make-whole requests and loan repurchases for the three and six months ended June 30, 2023 and 2022. The liability for unresolved repurchase demands totaled $0.2 million at June 30, 2023 and December 31, 2022.

INVESTMENT SECURITIES

6 Months Ended

Jun. 30, 2023

Investments, Debt and Equity Securities [Abstract]

INVESTMENT SECURITIES

Investment Securities Available for Sale

Investment securities available for sale at June 30, 2023 and December 31, 2022 were as follows:


	June 30, 2023
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale
U.S. Treasury securities	$	46,636	$	—	$	3,890	$	42,746
U.S. government sponsored entities and U.S. agency securities	77,510		—		4,052		73,458
Mortgage-backed securities - agency	612,214		640		74,220		538,634
Mortgage-backed securities - non-agency	69,921		—		4,010		65,911
State and municipal securities	64,481		8		6,995		57,494
Collateralized loan obligations	22,709		—		—		22,709
Corporate securities	95,172		—		13,409		81,763
Total available for sale securities	$	988,643	$	648	$	106,576	$	882,715


	December 31, 2022
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale
U.S. Treasury securities	$	86,313	$	113	$	5,196	$	81,230
U.S. government sponsored entities and U.S. agency securities	41,775		71		4,337		37,509
Mortgage-backed securities - agency	522,028		268		74,146		448,150
Mortgage-backed securities - non-agency	24,922		—		4,168		20,754
State and municipal securities	102,719		149		8,232		94,636
Corporate securities	95,266		—		9,311		85,955
Total available for sale securities	$	873,023	$	601	$	105,390	$	768,234

The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at June 30, 2023. Expected maturities may differ from contractual maturities in mortgage-backed securities because

the mortgages underlying the securities may be prepaid without penalties. The maturities of all other investment securities available for sale are based on final contractual maturity.


(dollars in thousands)	Amortized cost		Fair value
Investment securities available for sale
Within one year	$	23,829	$	23,763
After one year through five years	144,513		136,304
After five years through ten years	48,352		42,895
After ten years	89,814		75,208
Mortgage-backed securities	682,135		604,545
Total available for sale securities	$	988,643	$	882,715

Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three and six months ended June 30, 2023 and 2022 are summarized as follows:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Investment securities available for sale
Proceeds from sales	$	15,467	$	107,740	$	99,960	$	107,740
Gross realized gains on sales	—		716		338		716
Gross realized losses on sales	(869)		(817)		(1,855)		(817)

Unrealized losses and fair values for investment securities available for sale as of June 30, 2023 and December 31, 2022, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are summarized as follows:


	June 30, 2023
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale
U.S. Treasury securities	$	970	$	11	$	41,776	$	3,879	$	42,746	$	3,890
U.S. government sponsored entities and U.S. agency securities	49,365		171		24,093		3,881		73,458		4,052
Mortgage-backed securities - agency	124,341		2,251		363,472		71,969		487,813		74,220
Mortgage-backed securities - non-agency	21,926		141		20,147		3,869		42,073		4,010
State and municipal securities	8,905		201		46,959		6,794		55,864		6,995
Corporate securities	3,164		336		78,599		13,073		81,763		13,409
Total available for sale securities	$	208,671	$	3,111	$	575,046	$	103,465	$	783,717	$	106,576


	December 31, 2022
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale
U.S. Treasury securities	$	1,839	$	24	$	59,865	$	5,172	$	61,704	$	5,196
U.S. government sponsored entities and U.S. agency securities	10,288		40		23,453		4,297		33,741		4,337
Mortgage-backed securities - agency	152,657		9,736		273,353		64,410		426,010		74,146
Mortgage-backed securities - non-agency	1,924		270		18,830		3,898		20,754		4,168
State and municipal securities	35,603		1,662		41,538		6,570		77,141		8,232
Corporate securities	39,595		3,400		46,360		5,911		85,955		9,311
Total available for sale securities	$	241,906	$	15,132	$	463,399	$	90,258	$	705,305	$	105,390

At June 30, 2023, 320 investment securities available for sale had unrealized losses with aggregate depreciation of 11.93% from their amortized cost basis. For all of the above investment securities, the unrealized losses were generally due to changes in interest rates, and unrealized losses were considered to be temporary as the fair value is expected to recover as the securities approach their respective maturity dates. The issuers are of high credit quality and all principal amounts are expected to be paid when securities mature. The Company does not intend to sell and it is likely that the Company will not be required to sell the securities prior to their anticipated recovery.

LOANS - Risk Rating (Details) - Consumer Loans And Equipment Finance Loans And Leases	Jun. 30, 2023
Credit Risk State One \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	0 days
Credit Risk State One \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	14 days
Credit Risk State Two \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	15 days
Credit Risk State Two \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	29 days
Credit Risk State Three \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	30 days
Credit Risk State Three \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	59 days
Credit Risk State Four \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	60 days
Credit Risk State Four \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	89 days
Credit Risk State Default \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	90 days

DERIVATIVE INSTRUMENTS - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Commercial FHA
Derivative disclosures
Net gains (losses) on derivative instruments	$ 0.1	$ (0.4)	$ 0.1	$ (0.3)
Interest rate swap contracts
Derivative disclosures
Notional amount of interest rate swaps	7.2		7.2		$ 7.4
Interest rate swap contracts \| Other liabilities
Derivative disclosures
Fair value of offsetting counterparty derivative instruments	$ 0.5		$ 0.5		$ 0.5

LOANS - Summary of Loans and Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Summary of loans
Loans	$ 6,367,344		$ 6,367,344		$ 6,306,467
Net deferred loan fees	5,700		5,700		4,400
Unearned income	67,500		67,500		62,600
Loans held for sale	5,632		5,632		1,286
Proceeds from sales of loans held for sale			34,344	$ 203,545
Commercial Loan Portfolio
Summary of loans
Loans	4,418,537		4,418,537		4,268,615
Lease Loan Portfolio
Summary of loans
Loans	500,485		500,485		491,744
Consumer Loans and Commercial Leases
Summary of loans
Proceeds from sales of loans held for sale	28,000	$ 100,400	34,300	$ 203,500
Commercial \| Commercial Loan Portfolio
Summary of loans
Loans	875,295		875,295		786,877
Commercial other \| Commercial Loan Portfolio
Summary of loans
Loans	732,616		732,616		727,697
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Summary of loans
Loans	1,647,680		1,647,680		1,591,399
Commercial real estate owner occupied \| Commercial Loan Portfolio
Summary of loans
Loans	453,514		453,514		496,786
Multi-family \| Commercial Loan Portfolio
Summary of loans
Loans	273,939		273,939		277,889
Farmland \| Commercial Loan Portfolio
Summary of loans
Loans	68,862		68,862		67,085
Construction and land development \| Commercial Loan Portfolio
Summary of loans
Loans	366,631		366,631		320,882
Residential first lien \| Residential Loan Portfolio
Summary of loans
Loans	311,796		311,796		304,243
Other residential \| Residential Loan Portfolio
Summary of loans
Loans	59,690		59,690		61,851
Consumer \| Consumer Loan Portfolio
Summary of loans
Loans	108,619		108,619		105,880
Consumer other \| Consumer Loan Portfolio
Summary of loans
Loans	968,217		968,217		1,074,134
Commercial FHA Warehouse Lines \| Commercial Loan Portfolio
Summary of loans
Loans	$ 30,500		$ 30,500		$ 25,000

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - 10Q	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation The accompanying consolidated financial statements of the Company have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) and conform to predominant practices within the banking industry. Management of the Company has made a number of estimates and assumptions related to the reporting of assets and liabilities to prepare the consolidated financial statements in conformity with GAAP. Actual results may differ from those estimates. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation of the results of operations for annual periods presented herein, have been included. Certain reclassifications of 2022 amounts have been made to conform to the 2023 presentation but do not have an effect on net income or shareholders’ equity. Principles of Consolidation The consolidated financial statements include the accounts of the parent company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated. Assets held for customers in a fiduciary or agency capacity, other than trust cash on deposit with the Bank, are not assets of the Company and, accordingly, are not included in the accompanying consolidated financial statements. Accounting Guidance Adopted in 2023 FASB ASU No. 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures – In March 2022, the FASB issued ASU No. 2022-02, which 1) eliminates the accounting guidance for troubled debt restructurings ("TDRs") by creditors while enhancing the disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty; and 2) requires that an entity disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases. ASU 2022-02 is effective for fiscal years beginning after December 15, 2022 and the amendments should be applied prospectively, although the entity has the option to apply a modified retrospective transition method for the recognition and measurement of TDRs, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. The Company adopted this guidance on January 1, 2023 and elected to apply on a prospective basis. The adoption of this accounting pronouncement did not have an impact on the consolidated financial statements aside from additional and revised disclosures. Accounting Guidance Issued But Not Yet Adopted FASB ASU No. 2020-04, "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting – In March 2020, the FASB issued ASU No. 2020-04, allowing for optional expedients and exceptions for accounting related to contracts, hedging relationships and other transactions, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision based on the expectations of when LIBOR would cease being published. In 2021, the UK Financial Conduct Authority delayed the intended cessation date of certain tenors of LIBOR to June 30, 2023. In December 2022, to ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the FASB issued ASU No. 2022-06, which defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848. The Company has been monitoring its volume of commercial loans tied to LIBOR. In 2021, the Company began prioritizing SOFR as the preferred alternative reference rate with plans to cease booking LIBOR based commitments after the end of 2021. Loans with a maturity after June 2023 are being reviewed and monitored to ensure there is appropriate fallback language in place when LIBOR is no longer published. Loans with a maturity date before that time should naturally mature and be re-underwritten with the alternative index rate. The Company believes the adoption of this guidance will not have a material impact on the consolidated financial statements.

LOANS - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Summary of loans
Collateral dependent loans	$ 37,689	$ 27,681
Real Estate
Summary of loans
Collateral dependent loans	35,765	26,077
Blanket Lien
Summary of loans
Collateral dependent loans	969	1,604
Equipment
Summary of loans
Collateral dependent loans	955	0
Commercial \| Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	3,022	1,604
Commercial \| Commercial Loan Portfolio \| Real Estate
Summary of loans
Collateral dependent loans	2,053	0
Commercial \| Commercial Loan Portfolio \| Blanket Lien
Summary of loans
Collateral dependent loans	969	1,604
Commercial \| Commercial Loan Portfolio \| Equipment
Summary of loans
Collateral dependent loans	0	0
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	19,401	13,033
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Real Estate
Summary of loans
Collateral dependent loans	19,401	13,033
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Equipment
Summary of loans
Collateral dependent loans	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	11,637	3,874
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Real Estate
Summary of loans
Collateral dependent loans	11,637	3,874
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Equipment
Summary of loans
Collateral dependent loans	0	0
Multi-family \| Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	2,674	8,950
Multi-family \| Commercial Loan Portfolio \| Real Estate
Summary of loans
Collateral dependent loans	2,674	8,950
Multi-family \| Commercial Loan Portfolio \| Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Multi-family \| Commercial Loan Portfolio \| Equipment
Summary of loans
Collateral dependent loans	0	0
Residential first lien \| Residential Loan Portfolio
Summary of loans
Collateral dependent loans		220
Residential first lien \| Residential Loan Portfolio \| Real Estate
Summary of loans
Collateral dependent loans		220
Residential first lien \| Residential Loan Portfolio \| Blanket Lien
Summary of loans
Collateral dependent loans		0
Residential first lien \| Residential Loan Portfolio \| Equipment
Summary of loans
Collateral dependent loans		$ 0
Lease financing \| Lease Loan Portfolio
Summary of loans
Collateral dependent loans	955
Lease financing \| Lease Loan Portfolio \| Real Estate
Summary of loans
Collateral dependent loans	0
Lease financing \| Lease Loan Portfolio \| Blanket Lien
Summary of loans
Collateral dependent loans	0
Lease financing \| Lease Loan Portfolio \| Equipment
Summary of loans
Collateral dependent loans	$ 955

LOANS (Tables)

6 Months Ended

Jun. 30, 2023

Receivables [Abstract]

Summary of Loans

The following table presents total loans outstanding by portfolio class, as of June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023		December 31, 2022
Commercial:
Commercial	$	875,295	$	786,877
Commercial other	732,616		727,697
Commercial real estate:
Commercial real estate non-owner occupied	1,647,680		1,591,399
Commercial real estate owner occupied	453,514		496,786
Multi-family	273,939		277,889
Farmland	68,862		67,085
Construction and land development	366,631		320,882
Total commercial loans	4,418,537		4,268,615
Residential real estate:
Residential first lien	311,796		304,243
Other residential	59,690		61,851
Consumer:
Consumer	108,619		105,880
Consumer other	968,217		1,074,134
Lease financing	500,485		491,744
Total loans	$	6,367,344	$	6,306,467

Schedule of Changes in Financing Receivable Related Parties Roll Forward

The new loans, other additions, repayments and other reductions for the three and six months ended June 30, 2023 and 2022, are summarized as follows:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Beginning balance	$	19,519	$	23,374	$	19,776	$	13,869
New loans and other additions	2,367		—		2,367		9,805
Repayments and other reductions	(317)		(277)		(574)		(577)
Ending balance	$	21,569	$	23,097	$	21,569	$	23,097

Summary of Changes in Allowance for Loan Losses, by Loan Portfolio

The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and six months ended June 30, 2023 and 2022:


	Commercial Loan Portfolio						Other Loan Portfolio
(dollars in thousands)	Commercial		Commercial real estate		Construction and land development		Residential real estate		Consumer		Lease financing		Total
Changes in allowance for credit losses on loans for the three months ended June 30, 2023:
Balance, beginning of period	$	15,762	$	28,216	$	2,442	$	4,350	$	4,129	$	7,168	$	62,067
Provision for credit losses on loans	196		2,427		1,049		1,207		4		996		5,879
Charge-offs	(1,071)		(1,544)		(334)		(54)		(260)		(771)		(4,034)
Recoveries	403		326		32		48		80		149		1,038
Balance, end of period	$	15,290	$	29,425	$	3,189	$	5,551	$	3,953	$	7,542	$	64,950

Changes in allowance for credit losses on loans for the six months ended June 30, 2023:
Balance, beginning of period	$	14,639	$	29,290	$	2,435	$	4,301	$	3,599	$	6,787	$	61,051
Provision for credit losses on loans	2,194		2,097		1,056		1,270		704		1,693		9,014
Charge-offs	(2,040)		(2,290)		(334)		(85)		(523)		(1,161)		(6,433)
Recoveries	497		328		32		65		173		223		1,318
Balance, end of period	$	15,290	$	29,425	$	3,189	$	5,551	$	3,953	$	7,542	$	64,950

Changes in allowance for credit losses on loans for the three months ended June 30, 2022:
Balance, beginning of period	$	12,621	$	26,277	$	816	$	3,288	$	2,672	$	7,264	$	52,938
Provision for credit losses on loans	(111)		4,284		279		133		415		(259)		4,741
Charge-offs	(60)		(2,625)		—		(46)		(191)		(499)		(3,421)
Recoveries	298		(62)		6		41		98		259		640
Balance, end of period	$	12,748	$	27,874	$	1,101	$	3,416	$	2,994	$	6,765	$	54,898

Changes in allowance for credit losses on loans for the six months ended June 30, 2022:
Balance, beginning of period	$	14,375	$	22,993	$	972	$	2,695	$	2,558	$	7,469	$	51,062
Provision for credit losses on loans	278		7,728		123		717		672		(645)		8,873
Charge-offs	(2,214)		(2,852)		(6)		(150)		(496)		(705)		(6,423)
Recoveries	309		5		12		154		260		646		1,386
Balance, end of period	$	12,748	$	27,874	$	1,101	$	3,416	$	2,994	$	6,765	$	54,898

Schedule of Transitioning Risk States for Each Asset Pool within the Expected Credit Loss Model

The below table illustrates the transition matrix:


Risk state	Commercial loans risk rating	Consumer loans and equipment finance loans and leases days past due
1	0-5	0-14
2	6	15-29
3	7	30-59
4	8	60-89
Default	9+ and nonaccrual	90+ and nonaccrual

Schedule of Amortized Cost Basis of Individually Evaluated Loans on Nonaccrual Status

The following table presents amortized cost basis of individually evaluated loans on nonaccrual status as of June 30, 2023 and December 31, 2022:


	June 30, 2023						December 31, 2022
(dollars in thousands)	Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual		Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual
Commercial:
Commercial	$	1,604	$	969	$	2,573	$	1,910	$	1,111	$	3,021
Commercial other	3,537		—		3,537		3,169		—		3,169
Commercial real estate:
Commercial real estate non-owner occupied	12,016		9,092		21,108		1,345		11,899		13,244
Commercial real estate owner occupied	2,741		11,647		14,388		7,118		—		7,118
Multi-family	269		2,673		2,942		154		8,949		9,103
Farmland	172		—		172		25		—		25
Construction and land development	2,234		—		2,234		202		—		202
Total commercial loans	22,573		24,381		46,954		13,923		21,959		35,882
Residential real estate:
Residential first lien	2,865		559		3,424		2,925		572		3,497
Other residential	495		—		495		871		—		871
Consumer:
Consumer	97		—		97		120		—		120

Lease financing	3,413		—		3,413		1,606		—		1,606
Total loans	$	29,443	$	24,940	$	54,383	$	19,445	$	22,531	$	41,976

Schedule of Collateral Dependent Loans

The table below presents the value of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of June 30, 2023 and December 31, 2022:


	Type of Collateral
(dollars in thousands)	Real Estate		Blanket Lien		Equipment		Total
June 30, 2023
Commercial:
Commercial	$	2,053	$	969	$	—	$	3,022

Commercial real estate:
Non-owner occupied	19,401		—		—		19,401
Owner occupied	11,637		—		—		11,637
Multi-family	2,674		—		—		2,674



Lease financing	—		—		955		955
Total collateral dependent loans	$	35,765	$	969	$	955	$	37,689

December 31, 2022
Commercial:
Commercial	$	—	$	1,604	$	—	$	1,604

Commercial real estate:
Non-owner occupied	13,033		—		—		13,033
Owner occupied	3,874		—		—		3,874
Multi-family	8,950		—		—		8,950

Residential real estate
Residential first lien	220		—		—		220

Total collateral dependent loans	$	26,077	$	1,604	$	—	$	27,681

Summary of Aging Status of Recorded Investments in Loans by Portfolio (Excluding PCI Loans)

The aging status of the recorded investment in loans by portfolio as of June 30, 2023 was as follows:


	Accruing loans
(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Current		Total
Commercial:
Commercial	$	5,880	$	5,554	$	—	$	11,434	$	2,573	$	861,288	$	875,295
Commercial other	8,921		3,503		71		12,495		3,537		716,584		732,616
Commercial real estate:
Commercial real estate non-owner occupied	5		23		—		28		21,108		1,626,544		1,647,680
Commercial real estate owner occupied	107		—		—		107		14,388		439,019		453,514
Multi-family	—		—		—		—		2,942		270,997		273,939
Farmland	152		—		—		152		172		68,538		68,862
Construction and land development	200		—		—		200		2,234		364,197		366,631
Total commercial loans	15,265		9,080		71		24,416		46,954		4,347,167		4,418,537
Residential real estate:
Residential first lien	6		115		36		157		3,424		308,215		311,796
Other residential	39		33		—		72		495		59,123		59,690
Consumer:
Consumer	405		31		—		436		97		108,086		108,619
Consumer other	5,717		3,844		—		9,561		—		958,656		968,217
Lease financing	5,161		4,465		354		9,980		3,413		487,092		500,485
Total loans	$	26,593	$	17,568	$	461	$	44,622	$	54,383	$	6,268,339	$	6,367,344

The aging status of the recorded investment in loans by portfolio as of December 31, 2022 was as follows:


	Accruing loans
(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Current		Total
Commercial:
Commercial	$	7	$	112	$	—	$	119	$	3,021	$	783,737	$	786,877
Commercial other	6,035		2,365		—		8,400		3,169		716,128		727,697
Commercial real estate:
Commercial real estate non-owner occupied	1,008		999		—		2,007		13,244		1,576,148		1,591,399
Commercial real estate owner occupied	73		—		—		73		7,118		489,595		496,786
Multi-family	—		—		—		—		9,103		268,786		277,889
Farmland	—		—		—		—		25		67,060		67,085
Construction and land development	—		6,000		—		6,000		202		314,680		320,882
Total commercial loans	7,123		9,476		—		16,599		35,882		4,216,134		4,268,615
Residential real estate:
Residential first lien	82		456		428		966		3,497		299,780		304,243
Other residential	188		13		—		201		871		60,779		61,851
Consumer:
Consumer	139		18		12		169		120		105,591		105,880
Consumer other	5,381		3,559		733		9,673		—		1,064,461		1,074,134
Lease financing	4,415		1,522		—		5,937		1,606		484,201		491,744
Total loans	$	17,328	$	15,044	$	1,173	$	33,545	$	41,976	$	6,230,946	$	6,306,467

Schedule of Loans Credit Equality Indicators

The following tables present the recorded investment of the commercial loan portfolio by risk category as of June 30, 2023 and December 31, 2022:


			June 30, 2023
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2023		2022		2021		2020		2019		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	123,578	$	115,893	$	92,140	$	51,929	$	17,118	$	51,141	$	383,336	$	835,135
		Special mention	—		500		8,030		—		296		176		332		9,334
		Substandard	4,063		13,294		999		—		171		5,238		4,488		28,253
		Substandard – nonaccrual	—		—		332		—		84		457		1,700		2,573
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	127,641		129,687		101,501		51,929		17,669		57,012		389,856		875,295

	Commercial other	Acceptable credit quality	157,807		227,700		125,632		81,135		47,722		9,229		76,954		726,179
		Special mention	—		543		135		278		192		13		50		1,211
		Substandard	40		250		—		—		—		—		893		1,183
		Substandard – nonaccrual	326		977		837		710		579		108		—		3,537
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		506		—		—		—		—		—		506
		Subtotal	158,173		229,976		126,604		82,123		48,493		9,350		77,897		732,616

Commercial real estate	Non-owner occupied	Acceptable credit quality	103,887		681,398		382,913		138,251		84,869		144,947		7,196		1,543,461
		Special mention	—		—		183		467		162		12,408		—		13,220
		Substandard	—		2,272		—		—		35,314		32,305		—		69,891
		Substandard – nonaccrual	—		—		676		999		7,602		11,831		—		21,108
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	103,887		683,670		383,772		139,717		127,947		201,491		7,196		1,647,680

	Owner occupied	Acceptable credit quality	27,962		104,832		115,917		53,849		24,524		89,082		1,108		417,274
		Special mention	—		—		131		—		81		276		15		503
		Substandard	—		7,729		268		72		740		12,540		—		21,349
		Substandard – nonaccrual	159		9,663		2,436		197		143		1,486		304		14,388
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	28,121		122,224		118,752		54,118		25,488		103,384		1,427		453,514

	Multi-family	Acceptable credit quality	663		165,156		26,223		28,464		10,318		21,882		171		252,877
		Special mention	—		—		—		—		—		14,621		—		14,621
		Substandard	—		—		—		—		—		3,499		—		3,499
		Substandard – nonaccrual	—		—		899		—		107		1,936		—		2,942
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	663		165,156		27,122		28,464		10,425		41,938		171		273,939

	Farmland	Acceptable credit quality	8,743		6,042		15,432		12,891		3,888		19,614		1,452		68,062
		Special mention	—		—		—		—		—		96		—		96
		Substandard	—		—		14		—		22		344		152		532
		Substandard – nonaccrual	—		—		—		—		—		124		48		172
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	8,743		6,042		15,446		12,891		3,910		20,178		1,652		68,862

Construction and land development		Acceptable credit quality	28,311		189,923		100,265		1,236		674		1,232		34,325		355,966
		Special mention	—		—		—		—		—		60		—		60
		Substandard	—		—		6,000		—		—		—		—		6,000
		Substandard – nonaccrual	—		—		—		—		176		2,058		—		2,234
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	453		1,512		372		7		—		27		—		2,371
		Subtotal	28,764		191,435		106,637		1,243		850		3,377		34,325		366,631

Total		Acceptable credit quality	450,951		1,490,944		858,522		367,755		189,113		337,127		504,542		4,198,954
		Special mention	—		1,043		8,479		745		731		27,650		397		39,045
		Substandard	4,103		23,545		7,281		72		36,247		53,926		5,533		130,707
		Substandard – nonaccrual	485		10,640		5,180		1,906		8,691		18,000		2,052		46,954
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	453		2,018		372		7		—		27		—		2,877
Total commercial loans			$	455,992	$	1,528,190	$	879,834	$	370,485	$	234,782	$	436,730	$	512,524	$	4,418,537


			December 31, 2022
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2022		2021		2020		2019		2018		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	111,087	$	102,966	$	61,751	$	28,063	$	12,547	$	45,168	$	404,100	$	765,682
		Special mention	3,559		2,106		—		227		551		3,154		159		9,756
		Substandard	—		—		—		206		1,722		3,915		2,575		8,418
		Substandard – nonaccrual	—		340		—		132		83		246		2,220		3,021
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	114,646		105,412		61,751		28,628		14,903		52,483		409,054		786,877

	Commercial other	Acceptable credit quality	283,465		153,788		105,980		64,218		15,459		163		96,509		719,582
		Special mention	—		—		754		2,331		455		—		55		3,595
		Substandard	250		—		—		12		80		—		848		1,190
		Substandard – nonaccrual	524		1,247		444		463		491		—		—		3,169
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	161		—		—		—		—		—		—		161
		Subtotal	284,400		155,035		107,178		67,024		16,485		163		97,412		727,697

Commercial real estate	Non-owner occupied	Acceptable credit quality	679,040		403,952		145,235		72,504		18,249		160,992		4,833		1,484,805
		Special mention	1,407		186		477		10,633		195		8,452		—		21,350
		Substandard	569		—		7,458		32,731		1,587		29,655		—		72,000
		Substandard – nonaccrual	—		701		—		48		10,246		2,249		—		13,244
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	681,016		404,839		153,170		115,916		30,277		201,348		4,833		1,591,399

	Owner occupied	Acceptable credit quality	120,141		122,321		64,720		31,916		29,454		88,928		4,305		461,785
		Special mention	—		1,161		—		7,917		—		12,161		22		21,261
		Substandard	141		272		79		1,984		—		3,771		375		6,622
		Substandard – nonaccrual	155		4,165		225		146		333		1,790		304		7,118
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	120,437		127,919		65,024		41,963		29,787		106,650		5,006		496,786

	Multi-family	Acceptable credit quality	163,647		31,605		29,458		208		24,490		14,574		1,101		265,083
		Special mention	—		—		—		—		—		—		—		—
		Substandard	—		—		—		—		—		3,703		—		3,703
		Substandard – nonaccrual	—		927		—		113		—		8,063		—		9,103
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	163,647		32,532		29,458		321		24,490		26,340		1,101		277,889

	Farmland	Acceptable credit quality	8,659		16,138		13,467		4,117		3,129		19,102		1,593		66,205
		Special mention	—		—		—		—		—		159		—		159
		Substandard	—		14		—		23		113		347		199		696
		Substandard – nonaccrual	—		—		—		—		—		25		—		25
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	8,659		16,152		13,467		4,140		3,242		19,633		1,792		67,085

Construction and land development		Acceptable credit quality	171,243		79,747		10,676		8,388		98		1,420		37,997		309,569
		Special mention	—		—		—		—		—		210		—		210
		Substandard	—		6,000		—		—		2,415		—		—		8,415
		Substandard – nonaccrual	—		—		—		202		—		—		—		202
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	2,112		337		8		—		—		29		—		2,486
		Subtotal	173,355		86,084		10,684		8,590		2,513		1,659		37,997		320,882

Total		Acceptable credit quality	1,537,282		910,517		431,287		209,414		103,426		330,347		550,438		4,072,711
		Special mention	4,966		3,453		1,231		21,108		1,201		24,136		236		56,331
		Substandard	960		6,286		7,537		34,956		5,917		41,391		3,997		101,044
		Substandard – nonaccrual	679		7,380		669		1,104		11,153		12,373		2,524		35,882
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	2,273		337		8		—		—		29		—		2,647
Total commercial loans			$	1,546,160	$	927,973	$	440,732	$	266,582	$	121,697	$	408,276	$	557,195	$	4,268,615

The following table presents the gross charge-offs by class of loan and year of origination on the commercial loan portfolio for the three and six months ended June 30, 2023:


		Term Loans by Origination Year
(dollars in thousands)		2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
For the three months ended June 30, 2023
Commercial	Commercial	$	10	$	—	$	—	$	22	$	18	$	60	$	—	$	110
	Commercial Other	36		649		102		105		69		—		—		961
Commercial Real Estate	Non-owner occupied	—		—		—		—		—		—		—		—
	Owner occupied	—		—		—		—		—		1,481		—		1,481
	Multi-family	—		—		—		—		—		63		—		63
	Farmland	—		—		—		—		—		—		—		—
Construction and land development		—		—		—		—		—		334		—		334
Total gross commercial charge-offs		$	46	$	649	$	102	$	127	$	87	$	1,938	$	—	$	2,949

For the six months ended June 30, 2023
Commercial	Commercial	$	10	$	—	$	—	$	22	$	27	$	71	$	—	$	130
	Commercial Other	36		1,208		166		105		69		326		—		1,910
Commercial Real Estate	Non-owner occupied	—		—		—		—		—		—		—		—
	Owner occupied	—		—		—		—		—		1,481		—		1,481
	Multi-family	—		—		—		—		—		809		—		809
	Farmland	—		—		—		—		—		—		—		—
Construction and land development		—		—		—		—		—		334		—		334
Total gross commercial charge-offs		$	46	$	1,208	$	166	$	127	$	96	$	3,021	$	—	$	4,664

The Company evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on nonaccrual status and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes

of credit quality evaluation. The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of June 30, 2023 and December 31, 2022:


			June 30, 2023
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
Residential real estate	Residential first lien	Performing	$	22,642	$	75,091	$	38,105	$	30,465	$	20,236	$	121,760	$	36	$	308,335
		Nonperforming	35		50		—		33		356		2,987		—		3,461
		Subtotal	22,677		75,141		38,105		30,498		20,592		124,747		36		311,796

	Other residential	Performing	1,241		1,269		443		481		962		2,422		52,378		59,196
		Nonperforming	—		—		—		—		—		184		310		494
		Subtotal	1,241		1,269		443		481		962		2,606		52,688		59,690

Consumer	Consumer	Performing	17,417		28,154		36,165		7,561		2,813		13,851		2,561		108,522
		Nonperforming	—		25		3		7		—		59		3		97
		Subtotal	17,417		28,179		36,168		7,568		2,813		13,910		2,564		108,619

	Consumer other	Performing	206,635		468,600		185,590		70,858		26,877		6,846		2,811		968,217
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	206,635		468,600		185,590		70,858		26,877		6,846		2,811		968,217

Leases financing		Performing	96,561		184,332		92,293		67,347		41,983		14,202		—		496,718
		Nonperforming	214		1,723		387		313		633		497		—		3,767
		Subtotal	96,775		186,055		92,680		67,660		42,616		14,699		—		500,485

Total		Performing	344,496		757,446		352,596		176,712		92,871		159,081		57,786		1,940,988
		Nonperforming	249		1,798		390		353		989		3,727		313		7,819
Total other loans			$	344,745	$	759,244	$	352,986	$	177,065	$	93,860	$	162,808	$	58,099	$	1,948,807


			December 31, 2022
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2022		2021		2020		2019		2018		Prior		Revolving loans		Total
Residential real estate	Residential first lien	Performing	$	75,449	$	38,774	$	31,566	$	20,780	$	21,691	$	109,067	$	336	$	297,663
		Nonperforming	101		—		104		414		987		4,974		—		6,580
		Subtotal	75,550		38,774		31,670		21,194		22,678		114,041		336		304,243

	Other residential	Performing	1,722		496		534		1,060		1,496		1,515		53,159		59,982
		Nonperforming	17		—		—		7		18		208		1,619		1,869
		Subtotal	1,739		496		534		1,067		1,514		1,723		54,778		61,851

Consumer	Consumer	Performing	32,561		40,374		9,411		3,476		2,768		14,756		2,346		105,692
		Nonperforming	33		50		7		1		13		79		5		188
		Subtotal	32,594		40,424		9,418		3,477		2,781		14,835		2,351		105,880

	Consumer other	Performing	669,015		260,360		92,148		34,501		6,637		5,430		5,310		1,073,401
		Nonperforming	733		—		—		—		—		—		—		733
		Subtotal	669,748		260,360		92,148		34,501		6,637		5,430		5,310		1,074,134

Leases financing		Performing	215,084		110,294		84,458		54,684		21,767		3,088		—		489,375
		Nonperforming	—		522		736		818		254		39		—		2,369
		Subtotal	215,084		110,816		85,194		55,502		22,021		3,127		—		491,744

Total
		Performing	993,831		450,298		218,117		114,501		54,359		133,856		61,151		2,026,113
		Nonperforming	884		572		847		1,240		1,272		5,300		1,624		11,739
Total other loans			$	994,715	$	450,870	$	218,964	$	115,741	$	55,631	$	139,156	$	62,775	$	2,037,852

The following table presents the gross charge-offs by class of loan and year of origination on the other loan portfolio for the three and six months ended June 30, 2023:


		Term Loans by Origination Year
(dollars in thousands)		2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
For the three months ended June 30, 2023
Residential real estate	Residential first lien	$	—	$	—	$	—	$	3	$	7	$	—	$	—	$	10
	Other residential	—		—		—		—		—		—		44		44
Consumer	Consumer	—		—		4		11		26		13		—		54
	Consumer other	18		30		7		2		1		148		—		206
Lease financing		—		336		343		52		—		40		—		771
Total gross other charge-offs		$	18	$	366	$	354	$	68	$	34	$	201	$	44	$	1,085

For the six months ended June 30, 2023
Residential real estate	Residential first lien	$	—	$	—	$	9	$	3	$	7	$	—	$	—	$	19
	Other residential	—		—		—		—		—		9		57		66
Consumer	Consumer	—		1		9		11		31		33		—		85
	Consumer other	18		83		39		16		32		250		—		438
Lease financing		—		393		535		135		22		76		—		1,161
Total gross other charge-offs		$	18	$	477	$	592	$	165	$	92	$	368	$	57	$	1,769

LOAN SERVICING RIGHTS - Loan Servicing Rights and Carrying Value (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022	Jun. 30, 2022
Servicing Assets at Fair Value [Line Items]
Serviced Loans	$ 2,451,659	$ 2,556,996
Carrying Value	21,611	21,950
Commercial FHA
Servicing Assets at Fair Value [Line Items]
Serviced Loans	2,165,150		$ 0
Carrying Value	20,473		$ 0
SBA
Servicing Assets at Fair Value [Line Items]
Serviced Loans	46,279	46,081
Carrying Value	649	656
Residential
Servicing Assets at Fair Value [Line Items]
Serviced Loans	240,230	255,298
Carrying Value	489	549
Commercial FHA held for sale
Servicing Assets at Fair Value [Line Items]
Serviced Loans	0	2,255,617
Carrying Value	$ 0	$ 20,745

CONSOLIDATED STATEMENTS OF CASH FLOWS—(UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Cash flows from operating activities:
Net income	$ 43,347	$ 42,632
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	9,014	9,608
Depreciation on premises and equipment	2,419	2,445
Amortization of intangible assets	2,499	2,716
Amortization of operating lease right-of-use asset	844	904
Amortization of loan servicing rights	172	1,507
Share-based compensation expense	1,192	1,046
Increase in cash surrender value of life insurance	(1,767)	(1,671)
Gain on proceeds from company-owned life insurance	0	(188)
Investment securities (accretion) amortization, net	(808)	1,440
Loss on sales of investment securities, net	(1,517)	(101)
Gain on repurchase of subordinated debt	(676)	0
Gain on sales of other real estate owned	(819)	120
Impairment on other real estate owned	0	404
Origination of loans held for sale	(27,259)	(100,806)
Proceeds from sales of loans held for sale	34,344	203,545
Gain on sale of loans held for sale	(1,144)	(799)
Impairment on commercial mortgage servicing rights	0	1,263
Net change in operating assets and liabilities:
Accrued interest receivable	(687)	2,954
Other assets	(11,430)	(17,039)
Accrued expenses and other liabilities	9,995	4,295
Net cash provided by operating activities	60,753	154,477
Cash flows from investing activities:
Purchases of investment securities available for sale	(245,744)	(99,882)
Proceeds from sales of investment securities available for sale	99,960	107,740
Maturities and payments on investment securities available for sale	29,455	53,329
Purchases of equity securities	(192)	(379)
Proceeds from sales of equity securities	5,148	0
Net increase in loans	(76,502)	(634,229)
Purchases of premises and equipment	(4,688)	(928)
Proceeds from sale of premises and equipment	50	143
Purchases of nonmarketable equity securities	(66,572)	(1,860)
Proceeds from redemptions of nonmarketable equity securities	65,897	2,500
Proceeds from sales of other real estate owned	7,346	505
Proceeds from settlements of company-owned life insurance	0	1,337
Net cash acquired in acquisitions	0	60,275
Net cash used in investing activities	(185,842)	(511,449)
Cash flows from financing activities:
Net increase (decrease) in deposits	61,896	(6,004)
Net decrease in short-term borrowings	(20,528)	(9,114)
Proceeds from FHLB borrowings	11,246,000	700,000
Payments made on FHLB borrowings and other borrowings	(11,131,000)	(725,000)
Payments made on subordinated debt	(5,845)	0
Cash dividends paid on preferred stock	(4,456)	0
Cash dividends paid on common stock	(13,408)	(12,934)
Redemption of Series G preferred stock	0	(171)
Common stock repurchased	(8,967)	(1,109)
Proceeds from issuance of common stock under employee benefit plans	1,461	1,050
Net cash provided by (used in) financing activities	125,153	(53,282)
Net increase (decrease) in cash and cash equivalents	64	(410,254)
Cash and cash equivalents:
Beginning of period	160,631	680,371
End of period	160,695	270,117
Cash payments for:
Interest paid on deposits and borrowed funds	69,828	13,746
Income tax paid (net of refunds)	11,024	16,606
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to loans held for sale	0	74,997
Transfer of loans to other real estate owned	0	102
Right of use assets obtained in exchange for lease obligations	1,348	121
Transfer of loan servicing rights held for sale to loan servicing rights, at lower of cost or market	$ 20,745	$ 0

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY—(UNAUDITED) - USD ($) $ in Thousands	Total	Preferred stock	Common stock	Capital surplus	Retained earnings	Accumulated other comprehensive (loss) income
Beginning Balance at Dec. 31, 2021	$ 663,837	$ 0	$ 221	$ 445,907	$ 212,472	$ 5,237
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	42,632				42,632
Other comprehensive loss	(58,334)					(58,334)
Common dividends declared	(12,934)				(12,934)
Common stock repurchased	(1,109)		(1)	(1,108)
Share-based compensation expense	1,046			1,046
Issuance of common stock under employee benefit plans	1,050		1	1,049
Ending Balance at Jun. 30, 2022	636,188	0	221	446,894	242,170	(53,097)
Beginning Balance at Mar. 31, 2022	644,986	0	220	446,044	226,757	(28,035)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	21,883				21,883
Other comprehensive loss	(25,062)					(25,062)
Common dividends declared	(6,470)				(6,470)
Share-based compensation expense	519			519
Issuance of common stock under employee benefit plans	332		1	331
Ending Balance at Jun. 30, 2022	636,188	0	221	446,894	242,170	(53,097)
Beginning Balance at Dec. 31, 2022	758,574	110,548	222	449,196	282,405	(83,797)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	43,347				43,347
Other comprehensive loss	(922)					(922)
Common dividends declared	(13,408)				(13,408)
Preferred dividends declared	(4,456)				(4,456)
Common stock repurchased	(8,967)		(4)	(8,963)
Share-based compensation expense	1,192			1,192
Issuance of common stock under employee benefit plans	1,461			1,461
Ending Balance at Jun. 30, 2023	776,821	110,548	218	442,886	307,888	(84,719)
Beginning Balance at Mar. 31, 2023	775,643	110,548	221	447,471	295,200	(77,797)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	21,575				21,575
Other comprehensive loss	(6,922)					(6,922)
Common dividends declared	(6,659)				(6,659)
Preferred dividends declared	(2,228)				(2,228)
Common stock repurchased	(6,166)		(3)	(6,163)
Share-based compensation expense	567			567
Issuance of common stock under employee benefit plans	1,011			1,011
Ending Balance at Jun. 30, 2023	$ 776,821	$ 110,548	$ 218	$ 442,886	$ 307,888	$ (84,719)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

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- Definition

Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

+ References + Details

- Definition

Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

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-URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(ii))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 323
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481687/323-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (f)
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-URI https://asc.fasb.org//1943274/2147482907/825-10-50-28

Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
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-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1

Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(31))
-Publisher FASB
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Reference 13: http://fasb.org/us-gaap/role/ref/legacyRef
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-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(30))
-Publisher FASB
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Reference 14: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 4.E)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480418/310-10-S99-2

+ Details

LOANS - Impaired Loans with Interest Recognized (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0	$ 0	$ 0
Additional interest income that would have been recorded had they been current	$ 800,000	$ 500,000	$ 1,600,000	$ 1,300,000

FHLB ADVANCES AND OTHER BORROWINGS

6 Months Ended

Jun. 30, 2023

FHLB ADVANCES AND OTHER BORROWINGS

FHLB ADVANCES AND OTHER BORROWINGS

The following table summarizes our FHLB advances and other borrowings as of June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023		December 31, 2022


FHLB advances – fixed rate, fixed term at rates averaging 4.18% at June 30, 2023 - maturing in February 2028	$	55,000	$	—
FHLB advances – putable fixed rate at rates averaging 2.70% and 2.35% at June 30, 2023 and December 31, 2022, respectively – maturing through February 2028 with call provisions through February 2024	160,000		110,000
FHLB advances –SOFR floater at rates averaging 6.68% and 5.92% at June 30, 2023 and December 31, 2022, respectively – maturing in October 2023	100,000		100,000
FHLB advances – Short term fixed rate at rates averaging 5.18% and 4.31% at June 30, 2023 and December 31, 2022, respectively– maturing in July 2023	260,000		250,000
Total FHLB advances and other borrowings	$	575,000	$	460,000

The Company’s advances from the FHLB are collateralized by a blanket collateral agreement of qualifying mortgage and home equity line of credit loans and certain commercial real estate loans totaling approximately $2.97 billion and $2.90 billion at June 30, 2023 and December 31, 2022, respectively.

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	$ 4,310	$ 1,506	$ 6,710	$ 3,508
Total noninterest income	18,753	14,613	34,532	30,226
Trust management/administration fees
Disaggregation of Revenue [Line Items]
Revenue	5,356	5,139	10,992	11,121
Investment brokerage fees
Disaggregation of Revenue [Line Items]
Revenue	430	543	861	1,141
Other
Disaggregation of Revenue [Line Items]
Revenue	483	461	827	1,020
Nonsufficient fund fees
Disaggregation of Revenue [Line Items]
Revenue	1,741	1,524	3,439	2,856
Other
Disaggregation of Revenue [Line Items]
Revenue	936	780	1,806	1,516
Interchange revenues
Disaggregation of Revenue [Line Items]
Revenue	3,696	3,590	7,108	6,870
Merchant services revenue
Disaggregation of Revenue [Line Items]
Revenue	398	399	756	755
Other
Disaggregation of Revenue [Line Items]
Revenue	$ 1,403	$ 671	$ 2,033	$ 1,439

LOANS - Risk Category (Details) $ in Thousands	3 Months Ended	6 Months Ended
LOANS - Risk Category (Details) $ in Thousands	Jun. 30, 2023 USD ($) loan	Jun. 30, 2023 USD ($) loan region	Dec. 31, 2022 USD ($)
Receivables [Abstract]
Number of restrucutred loans \| loan	3	5
Principal balances	$ 500	$ 600
Number of main regions \| region		4
Risk category
Total	6,367,344	$ 6,367,344	$ 6,306,467
Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	455,992	455,992	1,546,160
Originated in Fiscal Year before Latest Fiscal Year	1,528,190	1,528,190	927,973
Originated Two Years before Latest Fiscal Year	879,834	879,834	440,732
Originated Three Years before Latest Fiscal Year	370,485	370,485	266,582
Originated Four Years before Latest Fiscal Year	234,782	234,782	121,697
Prior	436,730	436,730	408,276
Revolving loans	512,524	512,524	557,195
Total	4,418,537	4,418,537	4,268,615
Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	450,951	450,951	1,537,282
Originated in Fiscal Year before Latest Fiscal Year	1,490,944	1,490,944	910,517
Originated Two Years before Latest Fiscal Year	858,522	858,522	431,287
Originated Three Years before Latest Fiscal Year	367,755	367,755	209,414
Originated Four Years before Latest Fiscal Year	189,113	189,113	103,426
Prior	337,127	337,127	330,347
Revolving loans	504,542	504,542	550,438
Total	4,198,954	4,198,954	4,072,711
Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	4,966
Originated in Fiscal Year before Latest Fiscal Year	1,043	1,043	3,453
Originated Two Years before Latest Fiscal Year	8,479	8,479	1,231
Originated Three Years before Latest Fiscal Year	745	745	21,108
Originated Four Years before Latest Fiscal Year	731	731	1,201
Prior	27,650	27,650	24,136
Revolving loans	397	397	236
Total	39,045	39,045	56,331
Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	4,103	4,103	960
Originated in Fiscal Year before Latest Fiscal Year	23,545	23,545	6,286
Originated Two Years before Latest Fiscal Year	7,281	7,281	7,537
Originated Three Years before Latest Fiscal Year	72	72	34,956
Originated Four Years before Latest Fiscal Year	36,247	36,247	5,917
Prior	53,926	53,926	41,391
Revolving loans	5,533	5,533	3,997
Total	130,707	130,707	101,044
Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	485	485	679
Originated in Fiscal Year before Latest Fiscal Year	10,640	10,640	7,380
Originated Two Years before Latest Fiscal Year	5,180	5,180	669
Originated Three Years before Latest Fiscal Year	1,906	1,906	1,104
Originated Four Years before Latest Fiscal Year	8,691	8,691	11,153
Prior	18,000	18,000	12,373
Revolving loans	2,052	2,052	2,524
Total	46,954	46,954	35,882
Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	453	453	2,273
Originated in Fiscal Year before Latest Fiscal Year	2,018	2,018	337
Originated Two Years before Latest Fiscal Year	372	372	8
Originated Three Years before Latest Fiscal Year	7	7	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	27	27	29
Revolving loans	0	0	0
Total	2,877	2,877	2,647
Lease Loan Portfolio
Risk category
Originated in Current Fiscal Year	96,775	96,775	215,084
Originated in Fiscal Year before Latest Fiscal Year	186,055	186,055	110,816
Originated Two Years before Latest Fiscal Year	92,680	92,680	85,194
Originated Three Years before Latest Fiscal Year	67,660	67,660	55,502
Originated Four Years before Latest Fiscal Year	42,616	42,616	22,021
Prior	14,699	14,699	3,127
Revolving loans	0	0	0
Total	500,485	500,485	491,744
Lease Loan Portfolio \| Performing
Risk category
Originated in Current Fiscal Year	96,561	96,561	215,084
Originated in Fiscal Year before Latest Fiscal Year	184,332	184,332	110,294
Originated Two Years before Latest Fiscal Year	92,293	92,293	84,458
Originated Three Years before Latest Fiscal Year	67,347	67,347	54,684
Originated Four Years before Latest Fiscal Year	41,983	41,983	21,767
Prior	14,202	14,202	3,088
Revolving loans	0	0	0
Total	496,718	496,718	489,375
Lease Loan Portfolio \| Nonperforming
Risk category
Originated in Current Fiscal Year	214	214	0
Originated in Fiscal Year before Latest Fiscal Year	1,723	1,723	522
Originated Two Years before Latest Fiscal Year	387	387	736
Originated Three Years before Latest Fiscal Year	313	313	818
Originated Four Years before Latest Fiscal Year	633	633	254
Prior	497	497	39
Revolving loans	0	0	0
Total	3,767	3,767	2,369
Loan Portfolios, Excluding Commercial
Risk category
Originated in Current Fiscal Year	344,745	344,745	994,715
Originated in Fiscal Year before Latest Fiscal Year	759,244	759,244	450,870
Originated Two Years before Latest Fiscal Year	352,986	352,986	218,964
Originated Three Years before Latest Fiscal Year	177,065	177,065	115,741
Originated Four Years before Latest Fiscal Year	93,860	93,860	55,631
Prior	162,808	162,808	139,156
Revolving loans	58,099	58,099	62,775
Total	1,948,807	1,948,807	2,037,852
Loan Portfolios, Excluding Commercial \| Performing
Risk category
Originated in Current Fiscal Year	344,496	344,496	993,831
Originated in Fiscal Year before Latest Fiscal Year	757,446	757,446	450,298
Originated Two Years before Latest Fiscal Year	352,596	352,596	218,117
Originated Three Years before Latest Fiscal Year	176,712	176,712	114,501
Originated Four Years before Latest Fiscal Year	92,871	92,871	54,359
Prior	159,081	159,081	133,856
Revolving loans	57,786	57,786	61,151
Total	1,940,988	1,940,988	2,026,113
Loan Portfolios, Excluding Commercial \| Nonperforming
Risk category
Originated in Current Fiscal Year	249	249	884
Originated in Fiscal Year before Latest Fiscal Year	1,798	1,798	572
Originated Two Years before Latest Fiscal Year	390	390	847
Originated Three Years before Latest Fiscal Year	353	353	1,240
Originated Four Years before Latest Fiscal Year	989	989	1,272
Prior	3,727	3,727	5,300
Revolving loans	313	313	1,624
Total	7,819	7,819	11,739
Commercial \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	127,641	127,641	114,646
Originated in Fiscal Year before Latest Fiscal Year	129,687	129,687	105,412
Originated Two Years before Latest Fiscal Year	101,501	101,501	61,751
Originated Three Years before Latest Fiscal Year	51,929	51,929	28,628
Originated Four Years before Latest Fiscal Year	17,669	17,669	14,903
Prior	57,012	57,012	52,483
Revolving loans	389,856	389,856	409,054
Total	875,295	875,295	786,877
Commercial \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	123,578	123,578	111,087
Originated in Fiscal Year before Latest Fiscal Year	115,893	115,893	102,966
Originated Two Years before Latest Fiscal Year	92,140	92,140	61,751
Originated Three Years before Latest Fiscal Year	51,929	51,929	28,063
Originated Four Years before Latest Fiscal Year	17,118	17,118	12,547
Prior	51,141	51,141	45,168
Revolving loans	383,336	383,336	404,100
Total	835,135	835,135	765,682
Commercial \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	3,559
Originated in Fiscal Year before Latest Fiscal Year	500	500	2,106
Originated Two Years before Latest Fiscal Year	8,030	8,030	0
Originated Three Years before Latest Fiscal Year	0	0	227
Originated Four Years before Latest Fiscal Year	296	296	551
Prior	176	176	3,154
Revolving loans	332	332	159
Total	9,334	9,334	9,756
Commercial \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	4,063	4,063	0
Originated in Fiscal Year before Latest Fiscal Year	13,294	13,294	0
Originated Two Years before Latest Fiscal Year	999	999	0
Originated Three Years before Latest Fiscal Year	0	0	206
Originated Four Years before Latest Fiscal Year	171	171	1,722
Prior	5,238	5,238	3,915
Revolving loans	4,488	4,488	2,575
Total	28,253	28,253	8,418
Commercial \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	340
Originated Two Years before Latest Fiscal Year	332	332	0
Originated Three Years before Latest Fiscal Year	0	0	132
Originated Four Years before Latest Fiscal Year	84	84	83
Prior	457	457	246
Revolving loans	1,700	1,700	2,220
Total	2,573	2,573	3,021
Commercial \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial other \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	158,173	158,173	284,400
Originated in Fiscal Year before Latest Fiscal Year	229,976	229,976	155,035
Originated Two Years before Latest Fiscal Year	126,604	126,604	107,178
Originated Three Years before Latest Fiscal Year	82,123	82,123	67,024
Originated Four Years before Latest Fiscal Year	48,493	48,493	16,485
Prior	9,350	9,350	163
Revolving loans	77,897	77,897	97,412
Total	732,616	732,616	727,697
Commercial other \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	157,807	157,807	283,465
Originated in Fiscal Year before Latest Fiscal Year	227,700	227,700	153,788
Originated Two Years before Latest Fiscal Year	125,632	125,632	105,980
Originated Three Years before Latest Fiscal Year	81,135	81,135	64,218
Originated Four Years before Latest Fiscal Year	47,722	47,722	15,459
Prior	9,229	9,229	163
Revolving loans	76,954	76,954	96,509
Total	726,179	726,179	719,582
Commercial other \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	543	543	0
Originated Two Years before Latest Fiscal Year	135	135	754
Originated Three Years before Latest Fiscal Year	278	278	2,331
Originated Four Years before Latest Fiscal Year	192	192	455
Prior	13	13	0
Revolving loans	50	50	55
Total	1,211	1,211	3,595
Commercial other \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	40	40	250
Originated in Fiscal Year before Latest Fiscal Year	250	250	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	12
Originated Four Years before Latest Fiscal Year	0	0	80
Prior	0	0	0
Revolving loans	893	893	848
Total	1,183	1,183	1,190
Commercial other \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	326	326	524
Originated in Fiscal Year before Latest Fiscal Year	977	977	1,247
Originated Two Years before Latest Fiscal Year	837	837	444
Originated Three Years before Latest Fiscal Year	710	710	463
Originated Four Years before Latest Fiscal Year	579	579	491
Prior	108	108	0
Revolving loans	0	0	0
Total	3,537	3,537	3,169
Commercial other \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial other \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	0	0	161
Originated in Fiscal Year before Latest Fiscal Year	506	506	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	506	506	161
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	103,887	103,887	681,016
Originated in Fiscal Year before Latest Fiscal Year	683,670	683,670	404,839
Originated Two Years before Latest Fiscal Year	383,772	383,772	153,170
Originated Three Years before Latest Fiscal Year	139,717	139,717	115,916
Originated Four Years before Latest Fiscal Year	127,947	127,947	30,277
Prior	201,491	201,491	201,348
Revolving loans	7,196	7,196	4,833
Total	1,647,680	1,647,680	1,591,399
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	103,887	103,887	679,040
Originated in Fiscal Year before Latest Fiscal Year	681,398	681,398	403,952
Originated Two Years before Latest Fiscal Year	382,913	382,913	145,235
Originated Three Years before Latest Fiscal Year	138,251	138,251	72,504
Originated Four Years before Latest Fiscal Year	84,869	84,869	18,249
Prior	144,947	144,947	160,992
Revolving loans	7,196	7,196	4,833
Total	1,543,461	1,543,461	1,484,805
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	1,407
Originated in Fiscal Year before Latest Fiscal Year	0	0	186
Originated Two Years before Latest Fiscal Year	183	183	477
Originated Three Years before Latest Fiscal Year	467	467	10,633
Originated Four Years before Latest Fiscal Year	162	162	195
Prior	12,408	12,408	8,452
Revolving loans	0	0	0
Total	13,220	13,220	21,350
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	0	0	569
Originated in Fiscal Year before Latest Fiscal Year	2,272	2,272	0
Originated Two Years before Latest Fiscal Year	0	0	7,458
Originated Three Years before Latest Fiscal Year	0	0	32,731
Originated Four Years before Latest Fiscal Year	35,314	35,314	1,587
Prior	32,305	32,305	29,655
Revolving loans	0	0	0
Total	69,891	69,891	72,000
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	701
Originated Two Years before Latest Fiscal Year	676	676	0
Originated Three Years before Latest Fiscal Year	999	999	48
Originated Four Years before Latest Fiscal Year	7,602	7,602	10,246
Prior	11,831	11,831	2,249
Revolving loans	0	0	0
Total	21,108	21,108	13,244
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	28,121	28,121	120,437
Originated in Fiscal Year before Latest Fiscal Year	122,224	122,224	127,919
Originated Two Years before Latest Fiscal Year	118,752	118,752	65,024
Originated Three Years before Latest Fiscal Year	54,118	54,118	41,963
Originated Four Years before Latest Fiscal Year	25,488	25,488	29,787
Prior	103,384	103,384	106,650
Revolving loans	1,427	1,427	5,006
Total	453,514	453,514	496,786
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	27,962	27,962	120,141
Originated in Fiscal Year before Latest Fiscal Year	104,832	104,832	122,321
Originated Two Years before Latest Fiscal Year	115,917	115,917	64,720
Originated Three Years before Latest Fiscal Year	53,849	53,849	31,916
Originated Four Years before Latest Fiscal Year	24,524	24,524	29,454
Prior	89,082	89,082	88,928
Revolving loans	1,108	1,108	4,305
Total	417,274	417,274	461,785
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	1,161
Originated Two Years before Latest Fiscal Year	131	131	0
Originated Three Years before Latest Fiscal Year	0	0	7,917
Originated Four Years before Latest Fiscal Year	81	81	0
Prior	276	276	12,161
Revolving loans	15	15	22
Total	503	503	21,261
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	0	0	141
Originated in Fiscal Year before Latest Fiscal Year	7,729	7,729	272
Originated Two Years before Latest Fiscal Year	268	268	79
Originated Three Years before Latest Fiscal Year	72	72	1,984
Originated Four Years before Latest Fiscal Year	740	740	0
Prior	12,540	12,540	3,771
Revolving loans	0	0	375
Total	21,349	21,349	6,622
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	159	159	155
Originated in Fiscal Year before Latest Fiscal Year	9,663	9,663	4,165
Originated Two Years before Latest Fiscal Year	2,436	2,436	225
Originated Three Years before Latest Fiscal Year	197	197	146
Originated Four Years before Latest Fiscal Year	143	143	333
Prior	1,486	1,486	1,790
Revolving loans	304	304	304
Total	14,388	14,388	7,118
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Multi-family \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	663	663	163,647
Originated in Fiscal Year before Latest Fiscal Year	165,156	165,156	32,532
Originated Two Years before Latest Fiscal Year	27,122	27,122	29,458
Originated Three Years before Latest Fiscal Year	28,464	28,464	321
Originated Four Years before Latest Fiscal Year	10,425	10,425	24,490
Prior	41,938	41,938	26,340
Revolving loans	171	171	1,101
Total	273,939	273,939	277,889
Multi-family \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	663	663	163,647
Originated in Fiscal Year before Latest Fiscal Year	165,156	165,156	31,605
Originated Two Years before Latest Fiscal Year	26,223	26,223	29,458
Originated Three Years before Latest Fiscal Year	28,464	28,464	208
Originated Four Years before Latest Fiscal Year	10,318	10,318	24,490
Prior	21,882	21,882	14,574
Revolving loans	171	171	1,101
Total	252,877	252,877	265,083
Multi-family \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	14,621	14,621	0
Revolving loans	0	0	0
Total	14,621	14,621	0
Multi-family \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	3,499	3,499	3,703
Revolving loans	0	0	0
Total	3,499	3,499	3,703
Multi-family \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	927
Originated Two Years before Latest Fiscal Year	899	899	0
Originated Three Years before Latest Fiscal Year	0	0	113
Originated Four Years before Latest Fiscal Year	107	107	0
Prior	1,936	1,936	8,063
Revolving loans	0	0	0
Total	2,942	2,942	9,103
Multi-family \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Multi-family \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Farmland \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	8,743	8,743	8,659
Originated in Fiscal Year before Latest Fiscal Year	6,042	6,042	16,152
Originated Two Years before Latest Fiscal Year	15,446	15,446	13,467
Originated Three Years before Latest Fiscal Year	12,891	12,891	4,140
Originated Four Years before Latest Fiscal Year	3,910	3,910	3,242
Prior	20,178	20,178	19,633
Revolving loans	1,652	1,652	1,792
Total	68,862	68,862	67,085
Farmland \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	8,743	8,743	8,659
Originated in Fiscal Year before Latest Fiscal Year	6,042	6,042	16,138
Originated Two Years before Latest Fiscal Year	15,432	15,432	13,467
Originated Three Years before Latest Fiscal Year	12,891	12,891	4,117
Originated Four Years before Latest Fiscal Year	3,888	3,888	3,129
Prior	19,614	19,614	19,102
Revolving loans	1,452	1,452	1,593
Total	68,062	68,062	66,205
Farmland \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	96	96	159
Revolving loans	0	0	0
Total	96	96	159
Farmland \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	14
Originated Two Years before Latest Fiscal Year	14	14	0
Originated Three Years before Latest Fiscal Year	0	0	23
Originated Four Years before Latest Fiscal Year	22	22	113
Prior	344	344	347
Revolving loans	152	152	199
Total	532	532	696
Farmland \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	124	124	25
Revolving loans	48	48	0
Total	172	172	25
Farmland \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Farmland \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Construction and land development \| Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	28,764	28,764	173,355
Originated in Fiscal Year before Latest Fiscal Year	191,435	191,435	86,084
Originated Two Years before Latest Fiscal Year	106,637	106,637	10,684
Originated Three Years before Latest Fiscal Year	1,243	1,243	8,590
Originated Four Years before Latest Fiscal Year	850	850	2,513
Prior	3,377	3,377	1,659
Revolving loans	34,325	34,325	37,997
Total	366,631	366,631	320,882
Construction and land development \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Originated in Current Fiscal Year	28,311	28,311	171,243
Originated in Fiscal Year before Latest Fiscal Year	189,923	189,923	79,747
Originated Two Years before Latest Fiscal Year	100,265	100,265	10,676
Originated Three Years before Latest Fiscal Year	1,236	1,236	8,388
Originated Four Years before Latest Fiscal Year	674	674	98
Prior	1,232	1,232	1,420
Revolving loans	34,325	34,325	37,997
Total	355,966	355,966	309,569
Construction and land development \| Commercial Loan Portfolio \| Special mention
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	60	60	210
Revolving loans	0	0	0
Total	60	60	210
Construction and land development \| Commercial Loan Portfolio \| Substandard
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	6,000
Originated Two Years before Latest Fiscal Year	6,000	6,000	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	2,415
Prior	0	0	0
Revolving loans	0	0	0
Total	6,000	6,000	8,415
Construction and land development \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	202
Originated Four Years before Latest Fiscal Year	176	176	0
Prior	2,058	2,058	0
Revolving loans	0	0	0
Total	2,234	2,234	202
Construction and land development \| Commercial Loan Portfolio \| Doubtful
Risk category
Originated in Current Fiscal Year	0	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	0	0	0
Construction and land development \| Commercial Loan Portfolio \| Not graded
Risk category
Originated in Current Fiscal Year	453	453	2,112
Originated in Fiscal Year before Latest Fiscal Year	1,512	1,512	337
Originated Two Years before Latest Fiscal Year	372	372	8
Originated Three Years before Latest Fiscal Year	7	7	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	27	27	29
Revolving loans	0	0	0
Total	2,371	2,371	2,486
Residential first lien \| Residential Loan Portfolio
Risk category
Originated in Current Fiscal Year	22,677	22,677	75,550
Originated in Fiscal Year before Latest Fiscal Year	75,141	75,141	38,774
Originated Two Years before Latest Fiscal Year	38,105	38,105	31,670
Originated Three Years before Latest Fiscal Year	30,498	30,498	21,194
Originated Four Years before Latest Fiscal Year	20,592	20,592	22,678
Prior	124,747	124,747	114,041
Revolving loans	36	36	336
Total	311,796	311,796	304,243
Residential first lien \| Residential Loan Portfolio \| Performing
Risk category
Originated in Current Fiscal Year	22,642	22,642	75,449
Originated in Fiscal Year before Latest Fiscal Year	75,091	75,091	38,774
Originated Two Years before Latest Fiscal Year	38,105	38,105	31,566
Originated Three Years before Latest Fiscal Year	30,465	30,465	20,780
Originated Four Years before Latest Fiscal Year	20,236	20,236	21,691
Prior	121,760	121,760	109,067
Revolving loans	36	36	336
Total	308,335	308,335	297,663
Residential first lien \| Residential Loan Portfolio \| Nonperforming
Risk category
Originated in Current Fiscal Year	35	35	101
Originated in Fiscal Year before Latest Fiscal Year	50	50	0
Originated Two Years before Latest Fiscal Year	0	0	104
Originated Three Years before Latest Fiscal Year	33	33	414
Originated Four Years before Latest Fiscal Year	356	356	987
Prior	2,987	2,987	4,974
Revolving loans	0	0	0
Total	3,461	3,461	6,580
Other residential \| Residential Loan Portfolio
Risk category
Originated in Current Fiscal Year	1,241	1,241	1,739
Originated in Fiscal Year before Latest Fiscal Year	1,269	1,269	496
Originated Two Years before Latest Fiscal Year	443	443	534
Originated Three Years before Latest Fiscal Year	481	481	1,067
Originated Four Years before Latest Fiscal Year	962	962	1,514
Prior	2,606	2,606	1,723
Revolving loans	52,688	52,688	54,778
Total	59,690	59,690	61,851
Other residential \| Residential Loan Portfolio \| Performing
Risk category
Originated in Current Fiscal Year	1,241	1,241	1,722
Originated in Fiscal Year before Latest Fiscal Year	1,269	1,269	496
Originated Two Years before Latest Fiscal Year	443	443	534
Originated Three Years before Latest Fiscal Year	481	481	1,060
Originated Four Years before Latest Fiscal Year	962	962	1,496
Prior	2,422	2,422	1,515
Revolving loans	52,378	52,378	53,159
Total	59,196	59,196	59,982
Other residential \| Residential Loan Portfolio \| Nonperforming
Risk category
Originated in Current Fiscal Year	0	0	17
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	7
Originated Four Years before Latest Fiscal Year	0	0	18
Prior	184	184	208
Revolving loans	310	310	1,619
Total	494	494	1,869
Consumer \| Consumer Loan Portfolio
Risk category
Originated in Current Fiscal Year	17,417	17,417	32,594
Originated in Fiscal Year before Latest Fiscal Year	28,179	28,179	40,424
Originated Two Years before Latest Fiscal Year	36,168	36,168	9,418
Originated Three Years before Latest Fiscal Year	7,568	7,568	3,477
Originated Four Years before Latest Fiscal Year	2,813	2,813	2,781
Prior	13,910	13,910	14,835
Revolving loans	2,564	2,564	2,351
Total	108,619	108,619	105,880
Consumer \| Consumer Loan Portfolio \| Performing
Risk category
Originated in Current Fiscal Year	17,417	17,417	32,561
Originated in Fiscal Year before Latest Fiscal Year	28,154	28,154	40,374
Originated Two Years before Latest Fiscal Year	36,165	36,165	9,411
Originated Three Years before Latest Fiscal Year	7,561	7,561	3,476
Originated Four Years before Latest Fiscal Year	2,813	2,813	2,768
Prior	13,851	13,851	14,756
Revolving loans	2,561	2,561	2,346
Total	108,522	108,522	105,692
Consumer \| Consumer Loan Portfolio \| Nonperforming
Risk category
Originated in Current Fiscal Year	0	0	33
Originated in Fiscal Year before Latest Fiscal Year	25	25	50
Originated Two Years before Latest Fiscal Year	3	3	7
Originated Three Years before Latest Fiscal Year	7	7	1
Originated Four Years before Latest Fiscal Year	0	0	13
Prior	59	59	79
Revolving loans	3	3	5
Total	97	97	188
Consumer other \| Consumer Loan Portfolio
Risk category
Originated in Current Fiscal Year	206,635	206,635	669,748
Originated in Fiscal Year before Latest Fiscal Year	468,600	468,600	260,360
Originated Two Years before Latest Fiscal Year	185,590	185,590	92,148
Originated Three Years before Latest Fiscal Year	70,858	70,858	34,501
Originated Four Years before Latest Fiscal Year	26,877	26,877	6,637
Prior	6,846	6,846	5,430
Revolving loans	2,811	2,811	5,310
Total	968,217	968,217	1,074,134
Consumer other \| Consumer Loan Portfolio \| Performing
Risk category
Originated in Current Fiscal Year	206,635	206,635	669,015
Originated in Fiscal Year before Latest Fiscal Year	468,600	468,600	260,360
Originated Two Years before Latest Fiscal Year	185,590	185,590	92,148
Originated Three Years before Latest Fiscal Year	70,858	70,858	34,501
Originated Four Years before Latest Fiscal Year	26,877	26,877	6,637
Prior	6,846	6,846	5,430
Revolving loans	2,811	2,811	5,310
Total	968,217	968,217	1,073,401
Consumer other \| Consumer Loan Portfolio \| Nonperforming
Risk category
Originated in Current Fiscal Year	0	0	733
Originated in Fiscal Year before Latest Fiscal Year	0	0	0
Originated Two Years before Latest Fiscal Year	0	0	0
Originated Three Years before Latest Fiscal Year	0	0	0
Originated Four Years before Latest Fiscal Year	0	0	0
Prior	0	0	0
Revolving loans	0	0	0
Total	$ 0	$ 0	$ 733

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) - Non recurring member $ in Thousands	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 21,611	$ 1,205
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	21,611	1,205
Level 3 \| Discounted cash flow \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	838	876
Level 3 \| Discounted cash flow \| Residential servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 2,575	$ 2,770
Level 3 \| Discounted cash flow \| Prepayment speed \| SBA servicing rights \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1562	0.1449
Level 3 \| Discounted cash flow \| Prepayment speed \| SBA servicing rights \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1602	0.1544
Level 3 \| Discounted cash flow \| Prepayment speed \| SBA servicing rights \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1587	0.1500
Level 3 \| Discounted cash flow \| Prepayment speed \| Residential servicing rights \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0720	0.0756
Level 3 \| Discounted cash flow \| Prepayment speed \| Residential servicing rights \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2628	0.2628
Level 3 \| Discounted cash flow \| Prepayment speed \| Residential servicing rights \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0750	0.0792
Level 3 \| Discounted cash flow \| Discount rate \| SBA servicing rights \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1425	0.1300
Level 3 \| Discounted cash flow \| Discount rate \| Residential servicing rights \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0925	0.0900
Level 3 \| Discounted cash flow \| Discount rate \| Residential servicing rights \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1175	0.1150
Level 3 \| Discounted cash flow \| Discount rate \| Residential servicing rights \| Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1038	0.1013

PREMISES, EQUIPMENT AND LEASES - Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Property, Plant and Equipment [Abstract]
Operating lease cost	$ 493	$ 532	$ 977	$ 1,040
Operating cash flows from leases	590	630	1,180	1,236
Right-of-use assets obtained in exchange for lease obligations	$ 218	$ 0	$ 1,348	$ 121
Weighted average remaining lease term	8 years	7 years 4 months 24 days	8 years	7 years 4 months 24 days
Weighted average discount rate	3.29%	2.89%	3.29%	2.89%

SEGMENT INFORMATION (Tables)

6 Months Ended

Jun. 30, 2023

Segment Reporting [Abstract]

Schedule of Segment Financial Information

Selected business segment financial information for the three and six months ended June 30, 2023 and 2022 were as follows:


(dollars in thousands)	Banking		Wealth Management		Other		Total
Three Months Ended June 30, 2023
Net interest income (expense)	$	61,035	$	—	$	(2,195)	$	58,840
Provision for credit losses	5,879		—		—		5,879
Noninterest income	11,874		6,269		610		18,753
Noninterest expense	38,550		4,675		(331)		42,894
Income (loss) before income taxes (benefit)	28,480		1,594		(1,254)		28,820
Income taxes (benefit)	7,326		445		(526)		7,245
Net income (loss)	$	21,154	$	1,149	$	(728)	$	21,575
Total assets	$	8,025,617	$	30,249	$	(21,145)	$	8,034,721

Six Months Ended June 30, 2023
Net interest income (expense)	$	123,643	$	—	$	(4,299)	$	119,344
Provision for credit losses	9,014		—		—		9,014
Noninterest income	21,495		12,680		357		34,532
Noninterest expense	78,397		9,516		(537)		87,376
Income (loss) before income taxes (benefit)	57,727		3,164		(3,405)		57,486
Income taxes (benefit)	14,532		884		(1,277)		14,139
Net income (loss)	$	43,195	$	2,280	$	(2,128)	$	43,347
Total assets	$	8,025,617	$	30,249	$	(21,145)	$	8,034,721

Three Months Ended June 30, 2022
Net interest income (expense)	$	63,963	$	—	$	(2,629)	$	61,334
Provision for credit losses	5,441		—		—		5,441
Noninterest income	8,495		6,143		(25)		14,613
Noninterest expense	37,362		4,091		(114)		41,339
Income (loss) before income taxes (benefit)	29,655		2,052		(2,540)		29,167
Income taxes (benefit)	7,545		573		(834)		7,284
Net income (loss)	$	22,110	$	1,479	$	(1,706)	$	21,883
Total assets	$	7,422,518	$	29,042	$	(15,748)	$	7,435,812

Six Months Ended June 30, 2022
Net interest income (expense)	$	123,316	$	—	$	(5,155)	$	118,161
Provision for credit losses	9,608		—		—		9,608
Noninterest income	16,901		13,282		43		30,226
Noninterest expense	73,609		8,766		(152)		82,223
Income (loss) before income taxes (benefit)	57,000		4,516		(4,960)		56,556
Income taxes (benefit)	14,260		1,263		(1,599)		13,924
Net income (loss)	$	42,740	$	3,253	$	(3,361)	$	42,632
Total assets	$	7,422,518	$	29,042	$	(15,748)	$	7,435,812

SEGMENT INFORMATION

6 Months Ended

Jun. 30, 2023

Segment Reporting [Abstract]

SEGMENT INFORMATION

SEGMENT INFORMATIONOur business segments are defined as Banking, Wealth Management, and Other. The reportable business segments are consistent with the internal reporting and evaluation of the principle lines of business of the Company. The Banking segment provides a wide range of financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage and other consumer loan products; commercial equipment financing; mortgage loan sales and servicing; letters of credit; various types of deposit products, including checking, savings and time deposit accounts; merchant services; and corporate treasury management services. The Wealth Management segment consists of trust and fiduciary services, brokerage and retirement planning services. The Other segment includes the operating results of the parent company, our captive insurance business unit, and the elimination of intercompany transactions.

Selected business segment financial information for the three and six months ended June 30, 2023 and 2022 were as follows:


(dollars in thousands)	Banking		Wealth Management		Other		Total
Three Months Ended June 30, 2023
Net interest income (expense)	$	61,035	$	—	$	(2,195)	$	58,840
Provision for credit losses	5,879		—		—		5,879
Noninterest income	11,874		6,269		610		18,753
Noninterest expense	38,550		4,675		(331)		42,894
Income (loss) before income taxes (benefit)	28,480		1,594		(1,254)		28,820
Income taxes (benefit)	7,326		445		(526)		7,245
Net income (loss)	$	21,154	$	1,149	$	(728)	$	21,575
Total assets	$	8,025,617	$	30,249	$	(21,145)	$	8,034,721

Six Months Ended June 30, 2023
Net interest income (expense)	$	123,643	$	—	$	(4,299)	$	119,344
Provision for credit losses	9,014		—		—		9,014
Noninterest income	21,495		12,680		357		34,532
Noninterest expense	78,397		9,516		(537)		87,376
Income (loss) before income taxes (benefit)	57,727		3,164		(3,405)		57,486
Income taxes (benefit)	14,532		884		(1,277)		14,139
Net income (loss)	$	43,195	$	2,280	$	(2,128)	$	43,347
Total assets	$	8,025,617	$	30,249	$	(21,145)	$	8,034,721

Three Months Ended June 30, 2022
Net interest income (expense)	$	63,963	$	—	$	(2,629)	$	61,334
Provision for credit losses	5,441		—		—		5,441
Noninterest income	8,495		6,143		(25)		14,613
Noninterest expense	37,362		4,091		(114)		41,339
Income (loss) before income taxes (benefit)	29,655		2,052		(2,540)		29,167
Income taxes (benefit)	7,545		573		(834)		7,284
Net income (loss)	$	22,110	$	1,479	$	(1,706)	$	21,883
Total assets	$	7,422,518	$	29,042	$	(15,748)	$	7,435,812

Six Months Ended June 30, 2022
Net interest income (expense)	$	123,316	$	—	$	(5,155)	$	118,161
Provision for credit losses	9,608		—		—		9,608
Noninterest income	16,901		13,282		43		30,226
Noninterest expense	73,609		8,766		(152)		82,223
Income (loss) before income taxes (benefit)	57,000		4,516		(4,960)		56,556
Income taxes (benefit)	14,260		1,263		(1,599)		13,924
Net income (loss)	$	42,740	$	3,253	$	(3,361)	$	42,632
Total assets	$	7,422,518	$	29,042	$	(15,748)	$	7,435,812

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-15

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-42

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-40

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//280/tableOfContent

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-26

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-34

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-41

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

+ Details

LOANS

6 Months Ended

Jun. 30, 2023

Receivables [Abstract]

LOANS

The following table presents total loans outstanding by portfolio class, as of June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023		December 31, 2022
Commercial:
Commercial	$	875,295	$	786,877
Commercial other	732,616		727,697
Commercial real estate:
Commercial real estate non-owner occupied	1,647,680		1,591,399
Commercial real estate owner occupied	453,514		496,786
Multi-family	273,939		277,889
Farmland	68,862		67,085
Construction and land development	366,631		320,882
Total commercial loans	4,418,537		4,268,615
Residential real estate:
Residential first lien	311,796		304,243
Other residential	59,690		61,851
Consumer:
Consumer	108,619		105,880
Consumer other	968,217		1,074,134
Lease financing	500,485		491,744
Total loans	$	6,367,344	$	6,306,467

Total loans include net deferred loan costs of $5.7 million and $4.4 million at June 30, 2023 and December 31, 2022, respectively, and unearned discounts of $67.5 million and $62.6 million within the lease financing portfolio at June 30, 2023 and December 31, 2022, respectively.

At June 30, 2023, the Company had residential real estate loans held for sale totaling $5.6 million, compared to $1.3 million at December 31, 2022. The Company sold loans and leases with proceeds totaling $28.0 million and $34.3 million during the three and six months ended June 30, 2023, respectively, and $100.4 million and $203.5 million during the three and six months ended June 30, 2022, respectively.

Classifications of Loan Portfolio

The Company monitors and assesses the credit risk of its loan portfolio using the classes set forth below. These classes also represent the segments by which the Company monitors the performance of its loan portfolio and estimates its allowance for credit losses on loans.

Commercial—Loans to varying types of businesses, including municipalities, school districts and nonprofit organizations, for the purpose of supporting working capital, operational needs and term financing of equipment. Repayment of such loans is generally provided through operating cash flows of the business. Commercial loans are predominately secured by equipment, inventory, accounts receivable, and other sources of repayment. Commercial FHA warehouse lines of $30.5 million and $25.0 million as of June 30, 2023 and December 31, 2022, respectively, were included in this classification.

Commercial real estate—Loans secured by real estate occupied by the borrower for ongoing operations, including loans to borrowers engaged in agricultural production, and non-owner occupied real estate leased to one or more tenants, including commercial office, industrial, special purpose, retail and multi-family residential real estate loans.

Construction and land development—Secured loans for the construction of business and residential properties. Real estate construction loans often convert to a real estate commercial loan at the completion of the construction period. Secured development loans are made to borrowers for the purpose of infrastructure improvements to vacant land to create finished marketable residential and commercial lots/land. Most land development loans are originated with the intention that the loans will be paid through the sale of developed lots/land by the developers within twelve months of the completion date. Interest reserves may be established on real estate construction loans.

Residential real estate—Loans secured by residential properties that generally do not qualify for secondary market sale; however, the risk to return and/or overall relationship are considered acceptable to the Company. This category also includes loans whereby consumers utilize equity in their personal residence, generally through a second mortgage, as collateral to secure the loan.

Consumer—Loans to consumers primarily for the purpose of home improvements or acquiring automobiles, recreational vehicles and boats. Consumer loans consist of relatively small amounts that are spread across many individual borrowers.

Lease financing—Our equipment leasing business provides financing leases to varying types of businesses, nationwide, for purchases of business equipment and software. The financing is secured by a first priority interest in the financed assets and generally requires monthly payments.

Commercial, commercial real estate, and construction and land development loans are collectively referred to as the Company’s commercial loan portfolio, while residential real estate, consumer loans and lease financing receivables are collectively referred to as the Company’s other loan portfolio.

We have extended loans to certain of our directors, executive officers, principal shareholders and their affiliates. These loans were made in the ordinary course of business upon substantially the same terms, including collateralization and interest rates prevailing at the time. The aggregate loans outstanding to the Company's directors, executive officers, principal shareholders and their affiliates totaled $21.6 million and $19.8 million at June 30, 2023 and December 31, 2022, respectively. The new loans, other additions, repayments and other reductions for the three and six months ended June 30, 2023 and 2022, are summarized as follows:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Beginning balance	$	19,519	$	23,374	$	19,776	$	13,869
New loans and other additions	2,367		—		2,367		9,805
Repayments and other reductions	(317)		(277)		(574)		(577)
Ending balance	$	21,569	$	23,097	$	21,569	$	23,097

The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and six months ended June 30, 2023 and 2022:


	Commercial Loan Portfolio						Other Loan Portfolio
(dollars in thousands)	Commercial		Commercial real estate		Construction and land development		Residential real estate		Consumer		Lease financing		Total
Changes in allowance for credit losses on loans for the three months ended June 30, 2023:
Balance, beginning of period	$	15,762	$	28,216	$	2,442	$	4,350	$	4,129	$	7,168	$	62,067
Provision for credit losses on loans	196		2,427		1,049		1,207		4		996		5,879
Charge-offs	(1,071)		(1,544)		(334)		(54)		(260)		(771)		(4,034)
Recoveries	403		326		32		48		80		149		1,038
Balance, end of period	$	15,290	$	29,425	$	3,189	$	5,551	$	3,953	$	7,542	$	64,950

Changes in allowance for credit losses on loans for the six months ended June 30, 2023:
Balance, beginning of period	$	14,639	$	29,290	$	2,435	$	4,301	$	3,599	$	6,787	$	61,051
Provision for credit losses on loans	2,194		2,097		1,056		1,270		704		1,693		9,014
Charge-offs	(2,040)		(2,290)		(334)		(85)		(523)		(1,161)		(6,433)
Recoveries	497		328		32		65		173		223		1,318
Balance, end of period	$	15,290	$	29,425	$	3,189	$	5,551	$	3,953	$	7,542	$	64,950

Changes in allowance for credit losses on loans for the three months ended June 30, 2022:
Balance, beginning of period	$	12,621	$	26,277	$	816	$	3,288	$	2,672	$	7,264	$	52,938
Provision for credit losses on loans	(111)		4,284		279		133		415		(259)		4,741
Charge-offs	(60)		(2,625)		—		(46)		(191)		(499)		(3,421)
Recoveries	298		(62)		6		41		98		259		640
Balance, end of period	$	12,748	$	27,874	$	1,101	$	3,416	$	2,994	$	6,765	$	54,898

Changes in allowance for credit losses on loans for the six months ended June 30, 2022:
Balance, beginning of period	$	14,375	$	22,993	$	972	$	2,695	$	2,558	$	7,469	$	51,062
Provision for credit losses on loans	278		7,728		123		717		672		(645)		8,873
Charge-offs	(2,214)		(2,852)		(6)		(150)		(496)		(705)		(6,423)
Recoveries	309		5		12		154		260		646		1,386
Balance, end of period	$	12,748	$	27,874	$	1,101	$	3,416	$	2,994	$	6,765	$	54,898

The Company utilizes a combination of models which measure probability of default and loss given default methodology in determining expected future credit losses.

The probability of default is the risk that the borrower will be unable or unwilling to repay its debt in full or on time. The risk of default is derived by analyzing the obligor’s capacity to repay the debt in accordance with contractual terms. Probability of default is generally associated with financial characteristics such as inadequate cash flow to service debt, declining revenues or operating margins, high leverage, declining or marginal liquidity, and the inability to successfully implement a business plan. In addition to these quantifiable factors, the borrower’s willingness to repay also must be evaluated.

The probability of default is forecasted, for most commercial and retail loans, using a regression model that determines the likelihood of default within the twelve month time horizon. The regression model uses forward-looking economic forecasts including variables such as gross domestic product, housing price index, and real disposable income to predict default rates. The forecasting method for the equipment financing portfolio assumes a rolling twelve-month average of the through-the-cycle default rate, to predict default rates for the twelve month time horizon.

The loss given default component is the percentage of defaulted loan balance that is ultimately charged off. As a method for estimating the allowance, a form of migration analysis is used that combines the estimated probability of loans experiencing default events and the losses ultimately associated with the loans experiencing those defaults. Multiplying one by

the other gives the Company its loss rate, which is then applied to the loan portfolio balance to determine expected future losses.

Within the model, the loss given default approach produces segmented loss given default estimates using a loss curve methodology, which is based on historical net losses from charge-off and recovery information. The main principle of a loss curve model is that the loss follows a steady timing schedule based on how long the defaulted loan has been on the books.

The Company’s expected loss estimate is anchored in historical credit loss experience, with an emphasis on all available portfolio data. The Company’s historical look-back period includes January 2012 through the current period on a monthly basis. When historical credit loss experience is not sufficient for a specific portfolio, the Company may supplement its own portfolio data with external models or data.

Historical data is evaluated in multiple components of the expected credit loss, including the reasonable and supportable forecast and the post-reversion period of each loan segment. The historical experience is used to infer probability of default and loss given default in the reasonable and supportable forecast period. In the post-reversion period, long-term average loss rates are segmented by loan pool.

Qualitative reserves reflect management’s overall estimate of the extent to which current expected credit losses on collectively evaluated loans will differ from historical loss experience. The analysis takes into consideration other analytics performed within the organization, such as enterprise and concentration management, along with other credit-related analytics as deemed appropriate. Management attempts to quantify qualitative reserves whenever possible.

The Company segments the loan portfolio into pools based on the following risk characteristics: financial asset type, collateral type, loan characteristics, credit characteristics, outstanding loan balances, contractual terms and prepayment assumptions, industry of borrower and concentrations, historical or expected credit loss patterns, and reasonable and supportable forecast periods.

Within the probability of default segmentation, credit metrics are identified to further segment the financial assets. The Company utilizes risk ratings for the commercial portfolios and days past due for the consumer and the lease financing portfolios.

The Company has defined five transitioning risk states for each asset pool within the expected credit loss model. The below table illustrates the transition matrix:


Risk state	Commercial loans risk rating	Consumer loans and equipment finance loans and leases days past due
1	0-5	0-14
2	6	15-29
3	7	30-59
4	8	60-89
Default	9+ and nonaccrual	90+ and nonaccrual

Expected Credit Losses

In calculating expected credit losses, the Company individually evaluates loans on nonaccrual status with a balance greater than $500,000, loans past due 90 days or more and still accruing interest, and loans that do not share risk characteristics

with other loans in the pool. The following table presents amortized cost basis of individually evaluated loans on nonaccrual status as of June 30, 2023 and December 31, 2022:


	June 30, 2023						December 31, 2022
(dollars in thousands)	Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual		Nonaccrual with allowance		Nonaccrual with no allowance		Total nonaccrual
Commercial:
Commercial	$	1,604	$	969	$	2,573	$	1,910	$	1,111	$	3,021
Commercial other	3,537		—		3,537		3,169		—		3,169
Commercial real estate:
Commercial real estate non-owner occupied	12,016		9,092		21,108		1,345		11,899		13,244
Commercial real estate owner occupied	2,741		11,647		14,388		7,118		—		7,118
Multi-family	269		2,673		2,942		154		8,949		9,103
Farmland	172		—		172		25		—		25
Construction and land development	2,234		—		2,234		202		—		202
Total commercial loans	22,573		24,381		46,954		13,923		21,959		35,882
Residential real estate:
Residential first lien	2,865		559		3,424		2,925		572		3,497
Other residential	495		—		495		871		—		871
Consumer:
Consumer	97		—		97		120		—		120

Lease financing	3,413		—		3,413		1,606		—		1,606
Total loans	$	29,443	$	24,940	$	54,383	$	19,445	$	22,531	$	41,976

There was no interest income recognized on nonaccrual loans during the three and six months ended June 30, 2023 and 2022 while the loans were in nonaccrual status. Additional interest income that would have been recorded on nonaccrual loans had they been current in accordance with their original terms was $0.8 million and $1.6 million for the three and six months ended June 30, 2023 and $0.5 million and $1.3 million for the three and six months ended June 30, 2022, respectively.

Collateral Dependent Financial Assets

A collateral dependent financial loan relies solely on the operation or sale of the collateral for repayment. In evaluating the overall risk associated with a loan, the Company considers character, overall financial condition and resources, and payment record of the borrower; the prospects for support from any financially responsible guarantors; and the nature and degree of

protection provided by the cash flow and value of any underlying collateral. However, as other sources of repayment become inadequate over time, the significance of the collateral’s value increases and the loan may become collateral dependent.

The table below presents the value of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of June 30, 2023 and December 31, 2022:


	Type of Collateral
(dollars in thousands)	Real Estate		Blanket Lien		Equipment		Total
June 30, 2023
Commercial:
Commercial	$	2,053	$	969	$	—	$	3,022

Commercial real estate:
Non-owner occupied	19,401		—		—		19,401
Owner occupied	11,637		—		—		11,637
Multi-family	2,674		—		—		2,674



Lease financing	—		—		955		955
Total collateral dependent loans	$	35,765	$	969	$	955	$	37,689

December 31, 2022
Commercial:
Commercial	$	—	$	1,604	$	—	$	1,604

Commercial real estate:
Non-owner occupied	13,033		—		—		13,033
Owner occupied	3,874		—		—		3,874
Multi-family	8,950		—		—		8,950

Residential real estate
Residential first lien	220		—		—		220

Total collateral dependent loans	$	26,077	$	1,604	$	—	$	27,681

The aging status of the recorded investment in loans by portfolio as of June 30, 2023 was as follows:


	Accruing loans
(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Current		Total
Commercial:
Commercial	$	5,880	$	5,554	$	—	$	11,434	$	2,573	$	861,288	$	875,295
Commercial other	8,921		3,503		71		12,495		3,537		716,584		732,616
Commercial real estate:
Commercial real estate non-owner occupied	5		23		—		28		21,108		1,626,544		1,647,680
Commercial real estate owner occupied	107		—		—		107		14,388		439,019		453,514
Multi-family	—		—		—		—		2,942		270,997		273,939
Farmland	152		—		—		152		172		68,538		68,862
Construction and land development	200		—		—		200		2,234		364,197		366,631
Total commercial loans	15,265		9,080		71		24,416		46,954		4,347,167		4,418,537
Residential real estate:
Residential first lien	6		115		36		157		3,424		308,215		311,796
Other residential	39		33		—		72		495		59,123		59,690
Consumer:
Consumer	405		31		—		436		97		108,086		108,619
Consumer other	5,717		3,844		—		9,561		—		958,656		968,217
Lease financing	5,161		4,465		354		9,980		3,413		487,092		500,485
Total loans	$	26,593	$	17,568	$	461	$	44,622	$	54,383	$	6,268,339	$	6,367,344

The aging status of the recorded investment in loans by portfolio as of December 31, 2022 was as follows:


	Accruing loans
(dollars in thousands)	30-59 days past due		60-89 days past due		Past due 90 days or more		Total past due		Nonaccrual		Current		Total
Commercial:
Commercial	$	7	$	112	$	—	$	119	$	3,021	$	783,737	$	786,877
Commercial other	6,035		2,365		—		8,400		3,169		716,128		727,697
Commercial real estate:
Commercial real estate non-owner occupied	1,008		999		—		2,007		13,244		1,576,148		1,591,399
Commercial real estate owner occupied	73		—		—		73		7,118		489,595		496,786
Multi-family	—		—		—		—		9,103		268,786		277,889
Farmland	—		—		—		—		25		67,060		67,085
Construction and land development	—		6,000		—		6,000		202		314,680		320,882
Total commercial loans	7,123		9,476		—		16,599		35,882		4,216,134		4,268,615
Residential real estate:
Residential first lien	82		456		428		966		3,497		299,780		304,243
Other residential	188		13		—		201		871		60,779		61,851
Consumer:
Consumer	139		18		12		169		120		105,591		105,880
Consumer other	5,381		3,559		733		9,673		—		1,064,461		1,074,134
Lease financing	4,415		1,522		—		5,937		1,606		484,201		491,744
Total loans	$	17,328	$	15,044	$	1,173	$	33,545	$	41,976	$	6,230,946	$	6,306,467

Loan Restructurings

The Company adopted the accounting guidance in ASU No. 2022-02, effective as of January 1, 2023, which eliminates the recognition and measurement of a troubled debt restructuring ("TDR"). Due to the removal of the TDR designation, the Company evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulties that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Therefore, the disclosures related to loan restructurings are for modifications which have a direct impact on cash flows.

The Company may offer various types of concessions when modifying a loan. Commercial and industrial loans modified in a loan restructuring often involve temporary interest-only payments, term extensions, and converting revolving credit lines to term loans. Additional collateral, a co-borrower, or a guarantor is often requested.

Loans modified in a loan restructuring for the Company may have the financial effect of increasing the specific allowance associated with the loan. An allowance for loans that have been modified in a loan restructuring is measured based on the probability of default and loss given default model, the loan's observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral dependent. Management exercises significant judgment in developing these estimates.

Commercial and consumer loans modified in a loan restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a loan restructuring subsequently default, the Company evaluates the loan for possible further loss. The allowance may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan.

In some cases, the Company will modify a loan by providing multiple types of concessions. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession such as an interest rate reduction or principal forgiveness, may be granted. During the three months ended June 30, 2023 the Company restructured three loans for borrowers experiencing financial difficulties with principal balances totaling $0.5 million. Two of the restructured loans were provided a term extension with the other receiving an interest rate reduction and a term extension. During the six months ended June 30, 2023 the Company restructured five loans for borrowers experiencing financial difficulties with principal balances totaling $0.6 million. Three of the restructured loans were provided a term extension with the other two receiving an interest rate reduction and a term extension.

Credit Quality Monitoring

The Company maintains loan policies and credit underwriting standards as part of the process of managing credit risk. These standards include making loans generally within the Company’s four main regions, which include eastern, northern and southern Illinois and the St. Louis metropolitan area. In addition, our specialty finance division does nationwide bridge lending for FHA and HUD developments and originates loans for multifamily, assisted and senior living and multi-use properties. Our equipment leasing business provides financing to business customers across the country.

The Company has a loan approval process involving underwriting and individual and group loan approval authorities to consider credit quality and loss exposure at loan origination. The loans in the Company’s commercial loan portfolio are risk rated at origination based on the grading system set forth below. All loan authority is based on the aggregate credit to a borrower and its related entities.

The Company’s consumer loan portfolio is primarily comprised of both secured and unsecured loans that are relatively small and are evaluated at origination on a centralized basis against standardized underwriting criteria. The ongoing measurement of credit quality of the consumer loan portfolio is largely done on an exception basis. If payments are made on schedule, as agreed, then no further monitoring is performed. However, if delinquency occurs, the delinquent loans are turned over to the Company’s Consumer Collections Group for resolution. Credit quality for the entire consumer loan portfolio is measured by the periodic delinquency rate, nonaccrual amounts and actual losses incurred.

Loans in the commercial loan portfolio tend to be larger and more complex than those in the other loan portfolio, and therefore, are subject to more intensive monitoring. All loans in the commercial loan portfolio have an assigned relationship manager, and most borrowers provide periodic financial and operating information that allows the relationship managers to stay abreast of credit quality during the life of the loans. The risk ratings of loans in the commercial loan portfolio are reassessed at

least annually, with loans below an acceptable risk rating reassessed more frequently and reviewed by various individuals within the Company at least quarterly.

The Company maintains a centralized independent loan review function that monitors the approval process and ongoing asset quality of the loan portfolio, including the accuracy of loan grades. The Company also maintains an independent appraisal review function that participates in the review of all appraisals obtained by the Company.

Credit Quality Indicators

The Company uses a ten grade risk rating system to monitor the ongoing credit quality of its commercial loan portfolio. These loan grades rank the credit quality of a borrower by measuring liquidity, debt capacity, and coverage and payment behavior as shown in the borrower’s financial statements. The risk grades also measure the quality of the borrower’s management and the repayment support offered by any guarantors.

The Company considers all loans with Risk Grades 1 - 6 as acceptable credit risks and structures and manages such relationships accordingly. Periodic financial and operating data combined with regular loan officer interactions are deemed adequate to monitor borrower performance. Loans with Risk Grades of 7 are considered "watch credits" categorized as special mention and the frequency of loan officer contact and receipt of financial data is increased to stay abreast of borrower performance. Loans with Risk Grades of 8 - 10 are considered problematic and require special care. Risk Grade 8 is categorized as substandard, 9 as substandard - nonaccrual and 10 as doubtful. Further, loans with Risk Grades of 7 - 10 are managed regularly through a number of processes, procedures and committees, including oversight by a loan administration committee comprised of executive and senior management of the Company, which includes highly structured reporting of financial and operating data, intensive loan officer intervention and strategies to exit, as well as potential management by the Company's Special Assets Group. Loans not graded in the commercial loan portfolio are monitored by aging status and payment activity.

The following tables present the recorded investment of the commercial loan portfolio by risk category as of June 30, 2023 and December 31, 2022:


			June 30, 2023
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2023		2022		2021		2020		2019		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	123,578	$	115,893	$	92,140	$	51,929	$	17,118	$	51,141	$	383,336	$	835,135
		Special mention	—		500		8,030		—		296		176		332		9,334
		Substandard	4,063		13,294		999		—		171		5,238		4,488		28,253
		Substandard – nonaccrual	—		—		332		—		84		457		1,700		2,573
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	127,641		129,687		101,501		51,929		17,669		57,012		389,856		875,295

	Commercial other	Acceptable credit quality	157,807		227,700		125,632		81,135		47,722		9,229		76,954		726,179
		Special mention	—		543		135		278		192		13		50		1,211
		Substandard	40		250		—		—		—		—		893		1,183
		Substandard – nonaccrual	326		977		837		710		579		108		—		3,537
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		506		—		—		—		—		—		506
		Subtotal	158,173		229,976		126,604		82,123		48,493		9,350		77,897		732,616

Commercial real estate	Non-owner occupied	Acceptable credit quality	103,887		681,398		382,913		138,251		84,869		144,947		7,196		1,543,461
		Special mention	—		—		183		467		162		12,408		—		13,220
		Substandard	—		2,272		—		—		35,314		32,305		—		69,891
		Substandard – nonaccrual	—		—		676		999		7,602		11,831		—		21,108
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	103,887		683,670		383,772		139,717		127,947		201,491		7,196		1,647,680

	Owner occupied	Acceptable credit quality	27,962		104,832		115,917		53,849		24,524		89,082		1,108		417,274
		Special mention	—		—		131		—		81		276		15		503
		Substandard	—		7,729		268		72		740		12,540		—		21,349
		Substandard – nonaccrual	159		9,663		2,436		197		143		1,486		304		14,388
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	28,121		122,224		118,752		54,118		25,488		103,384		1,427		453,514

	Multi-family	Acceptable credit quality	663		165,156		26,223		28,464		10,318		21,882		171		252,877
		Special mention	—		—		—		—		—		14,621		—		14,621
		Substandard	—		—		—		—		—		3,499		—		3,499
		Substandard – nonaccrual	—		—		899		—		107		1,936		—		2,942
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	663		165,156		27,122		28,464		10,425		41,938		171		273,939

	Farmland	Acceptable credit quality	8,743		6,042		15,432		12,891		3,888		19,614		1,452		68,062
		Special mention	—		—		—		—		—		96		—		96
		Substandard	—		—		14		—		22		344		152		532
		Substandard – nonaccrual	—		—		—		—		—		124		48		172
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	8,743		6,042		15,446		12,891		3,910		20,178		1,652		68,862

Construction and land development		Acceptable credit quality	28,311		189,923		100,265		1,236		674		1,232		34,325		355,966
		Special mention	—		—		—		—		—		60		—		60
		Substandard	—		—		6,000		—		—		—		—		6,000
		Substandard – nonaccrual	—		—		—		—		176		2,058		—		2,234
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	453		1,512		372		7		—		27		—		2,371
		Subtotal	28,764		191,435		106,637		1,243		850		3,377		34,325		366,631

Total		Acceptable credit quality	450,951		1,490,944		858,522		367,755		189,113		337,127		504,542		4,198,954
		Special mention	—		1,043		8,479		745		731		27,650		397		39,045
		Substandard	4,103		23,545		7,281		72		36,247		53,926		5,533		130,707
		Substandard – nonaccrual	485		10,640		5,180		1,906		8,691		18,000		2,052		46,954
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	453		2,018		372		7		—		27		—		2,877
Total commercial loans			$	455,992	$	1,528,190	$	879,834	$	370,485	$	234,782	$	436,730	$	512,524	$	4,418,537


			December 31, 2022
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2022		2021		2020		2019		2018		Prior		Revolving loans		Total
Commercial	Commercial	Acceptable credit quality	$	111,087	$	102,966	$	61,751	$	28,063	$	12,547	$	45,168	$	404,100	$	765,682
		Special mention	3,559		2,106		—		227		551		3,154		159		9,756
		Substandard	—		—		—		206		1,722		3,915		2,575		8,418
		Substandard – nonaccrual	—		340		—		132		83		246		2,220		3,021
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	114,646		105,412		61,751		28,628		14,903		52,483		409,054		786,877

	Commercial other	Acceptable credit quality	283,465		153,788		105,980		64,218		15,459		163		96,509		719,582
		Special mention	—		—		754		2,331		455		—		55		3,595
		Substandard	250		—		—		12		80		—		848		1,190
		Substandard – nonaccrual	524		1,247		444		463		491		—		—		3,169
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	161		—		—		—		—		—		—		161
		Subtotal	284,400		155,035		107,178		67,024		16,485		163		97,412		727,697

Commercial real estate	Non-owner occupied	Acceptable credit quality	679,040		403,952		145,235		72,504		18,249		160,992		4,833		1,484,805
		Special mention	1,407		186		477		10,633		195		8,452		—		21,350
		Substandard	569		—		7,458		32,731		1,587		29,655		—		72,000
		Substandard – nonaccrual	—		701		—		48		10,246		2,249		—		13,244
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	681,016		404,839		153,170		115,916		30,277		201,348		4,833		1,591,399

	Owner occupied	Acceptable credit quality	120,141		122,321		64,720		31,916		29,454		88,928		4,305		461,785
		Special mention	—		1,161		—		7,917		—		12,161		22		21,261
		Substandard	141		272		79		1,984		—		3,771		375		6,622
		Substandard – nonaccrual	155		4,165		225		146		333		1,790		304		7,118
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	120,437		127,919		65,024		41,963		29,787		106,650		5,006		496,786

	Multi-family	Acceptable credit quality	163,647		31,605		29,458		208		24,490		14,574		1,101		265,083
		Special mention	—		—		—		—		—		—		—		—
		Substandard	—		—		—		—		—		3,703		—		3,703
		Substandard – nonaccrual	—		927		—		113		—		8,063		—		9,103
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	163,647		32,532		29,458		321		24,490		26,340		1,101		277,889

	Farmland	Acceptable credit quality	8,659		16,138		13,467		4,117		3,129		19,102		1,593		66,205
		Special mention	—		—		—		—		—		159		—		159
		Substandard	—		14		—		23		113		347		199		696
		Substandard – nonaccrual	—		—		—		—		—		25		—		25
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	—		—		—		—		—		—		—		—
		Subtotal	8,659		16,152		13,467		4,140		3,242		19,633		1,792		67,085

Construction and land development		Acceptable credit quality	171,243		79,747		10,676		8,388		98		1,420		37,997		309,569
		Special mention	—		—		—		—		—		210		—		210
		Substandard	—		6,000		—		—		2,415		—		—		8,415
		Substandard – nonaccrual	—		—		—		202		—		—		—		202
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	2,112		337		8		—		—		29		—		2,486
		Subtotal	173,355		86,084		10,684		8,590		2,513		1,659		37,997		320,882

Total		Acceptable credit quality	1,537,282		910,517		431,287		209,414		103,426		330,347		550,438		4,072,711
		Special mention	4,966		3,453		1,231		21,108		1,201		24,136		236		56,331
		Substandard	960		6,286		7,537		34,956		5,917		41,391		3,997		101,044
		Substandard – nonaccrual	679		7,380		669		1,104		11,153		12,373		2,524		35,882
		Doubtful	—		—		—		—		—		—		—		—
		Not graded	2,273		337		8		—		—		29		—		2,647
Total commercial loans			$	1,546,160	$	927,973	$	440,732	$	266,582	$	121,697	$	408,276	$	557,195	$	4,268,615

The following table presents the gross charge-offs by class of loan and year of origination on the commercial loan portfolio for the three and six months ended June 30, 2023:


		Term Loans by Origination Year
(dollars in thousands)		2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
For the three months ended June 30, 2023
Commercial	Commercial	$	10	$	—	$	—	$	22	$	18	$	60	$	—	$	110
	Commercial Other	36		649		102		105		69		—		—		961
Commercial Real Estate	Non-owner occupied	—		—		—		—		—		—		—		—
	Owner occupied	—		—		—		—		—		1,481		—		1,481
	Multi-family	—		—		—		—		—		63		—		63
	Farmland	—		—		—		—		—		—		—		—
Construction and land development		—		—		—		—		—		334		—		334
Total gross commercial charge-offs		$	46	$	649	$	102	$	127	$	87	$	1,938	$	—	$	2,949

For the six months ended June 30, 2023
Commercial	Commercial	$	10	$	—	$	—	$	22	$	27	$	71	$	—	$	130
	Commercial Other	36		1,208		166		105		69		326		—		1,910
Commercial Real Estate	Non-owner occupied	—		—		—		—		—		—		—		—
	Owner occupied	—		—		—		—		—		1,481		—		1,481
	Multi-family	—		—		—		—		—		809		—		809
	Farmland	—		—		—		—		—		—		—		—
Construction and land development		—		—		—		—		—		334		—		334
Total gross commercial charge-offs		$	46	$	1,208	$	166	$	127	$	96	$	3,021	$	—	$	4,664


			June 30, 2023
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
Residential real estate	Residential first lien	Performing	$	22,642	$	75,091	$	38,105	$	30,465	$	20,236	$	121,760	$	36	$	308,335
		Nonperforming	35		50		—		33		356		2,987		—		3,461
		Subtotal	22,677		75,141		38,105		30,498		20,592		124,747		36		311,796

	Other residential	Performing	1,241		1,269		443		481		962		2,422		52,378		59,196
		Nonperforming	—		—		—		—		—		184		310		494
		Subtotal	1,241		1,269		443		481		962		2,606		52,688		59,690

Consumer	Consumer	Performing	17,417		28,154		36,165		7,561		2,813		13,851		2,561		108,522
		Nonperforming	—		25		3		7		—		59		3		97
		Subtotal	17,417		28,179		36,168		7,568		2,813		13,910		2,564		108,619

	Consumer other	Performing	206,635		468,600		185,590		70,858		26,877		6,846		2,811		968,217
		Nonperforming	—		—		—		—		—		—		—		—
		Subtotal	206,635		468,600		185,590		70,858		26,877		6,846		2,811		968,217

Leases financing		Performing	96,561		184,332		92,293		67,347		41,983		14,202		—		496,718
		Nonperforming	214		1,723		387		313		633		497		—		3,767
		Subtotal	96,775		186,055		92,680		67,660		42,616		14,699		—		500,485

Total		Performing	344,496		757,446		352,596		176,712		92,871		159,081		57,786		1,940,988
		Nonperforming	249		1,798		390		353		989		3,727		313		7,819
Total other loans			$	344,745	$	759,244	$	352,986	$	177,065	$	93,860	$	162,808	$	58,099	$	1,948,807


			December 31, 2022
			Term Loans Amortized Cost Basis by Origination Year
(dollars in thousands)			2022		2021		2020		2019		2018		Prior		Revolving loans		Total
Residential real estate	Residential first lien	Performing	$	75,449	$	38,774	$	31,566	$	20,780	$	21,691	$	109,067	$	336	$	297,663
		Nonperforming	101		—		104		414		987		4,974		—		6,580
		Subtotal	75,550		38,774		31,670		21,194		22,678		114,041		336		304,243

	Other residential	Performing	1,722		496		534		1,060		1,496		1,515		53,159		59,982
		Nonperforming	17		—		—		7		18		208		1,619		1,869
		Subtotal	1,739		496		534		1,067		1,514		1,723		54,778		61,851

Consumer	Consumer	Performing	32,561		40,374		9,411		3,476		2,768		14,756		2,346		105,692
		Nonperforming	33		50		7		1		13		79		5		188
		Subtotal	32,594		40,424		9,418		3,477		2,781		14,835		2,351		105,880

	Consumer other	Performing	669,015		260,360		92,148		34,501		6,637		5,430		5,310		1,073,401
		Nonperforming	733		—		—		—		—		—		—		733
		Subtotal	669,748		260,360		92,148		34,501		6,637		5,430		5,310		1,074,134

Leases financing		Performing	215,084		110,294		84,458		54,684		21,767		3,088		—		489,375
		Nonperforming	—		522		736		818		254		39		—		2,369
		Subtotal	215,084		110,816		85,194		55,502		22,021		3,127		—		491,744

Total
		Performing	993,831		450,298		218,117		114,501		54,359		133,856		61,151		2,026,113
		Nonperforming	884		572		847		1,240		1,272		5,300		1,624		11,739
Total other loans			$	994,715	$	450,870	$	218,964	$	115,741	$	55,631	$	139,156	$	62,775	$	2,037,852

The following table presents the gross charge-offs by class of loan and year of origination on the other loan portfolio for the three and six months ended June 30, 2023:


		Term Loans by Origination Year
(dollars in thousands)		2023		2022		2021		2020		2019		Prior		Revolving Loans		Total
For the three months ended June 30, 2023
Residential real estate	Residential first lien	$	—	$	—	$	—	$	3	$	7	$	—	$	—	$	10
	Other residential	—		—		—		—		—		—		44		44
Consumer	Consumer	—		—		4		11		26		13		—		54
	Consumer other	18		30		7		2		1		148		—		206
Lease financing		—		336		343		52		—		40		—		771
Total gross other charge-offs		$	18	$	366	$	354	$	68	$	34	$	201	$	44	$	1,085

For the six months ended June 30, 2023
Residential real estate	Residential first lien	$	—	$	—	$	9	$	3	$	7	$	—	$	—	$	19
	Other residential	—		—		—		—		—		9		57		66
Consumer	Consumer	—		1		9		11		31		33		—		85
	Consumer other	18		83		39		16		32		250		—		438
Lease financing		—		393		535		135		22		76		—		1,161
Total gross other charge-offs		$	18	$	477	$	592	$	165	$	92	$	368	$	57	$	1,769

CONSOLIDATED STATEMENTS OF INCOME—(UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest income:
Loans, including fees: Taxable	$ 91,350	$ 62,943	$ 178,809	$ 119,529
Loans, including fees: Tax exempt	427	514	852	1,062
Loans held for sale	59	77	75	297
Investment securities:
Taxable	6,899	4,055	12,269	7,952
Tax exempt	305	692	799	1,534
Nonmarketable equity securities	599	487	1,394	971
Federal funds sold and cash investments	852	468	1,832	639
Total interest income	100,491	69,236	196,030	131,984
Interest expense:
Deposits	33,617	3,810	60,022	5,971
Short-term borrowings	14	22	39	45
Federal Home Loan Bank advances and other borrowings	5,396	1,435	11,402	2,647
Subordinated debt	1,335	2,011	2,705	4,022
Trust preferred debentures	1,289	624	2,518	1,138
Total interest expense	41,651	7,902	76,686	13,823
Net interest income	58,840	61,334	119,344	118,161
Provision for credit losses:
Provision for credit losses on loans	5,879	4,741	9,014	8,873
Provision for credit losses on unfunded commitments	0	700	0	956
Recapture of other credit losses	0	0	0	(221)
Total provision for credit losses	5,879	5,441	9,014	9,608
Net interest income after provision for credit losses	52,961	55,893	110,330	108,553
Noninterest income:
Wealth management revenue	6,269	6,143	12,680	13,282
Residential mortgage banking revenue	540	384	945	983
Service charges on deposit accounts	2,677	2,304	5,245	4,372
Interchange revenue	3,696	3,590	7,108	6,870
Loss on sales of investment securities, net	(869)	(101)	(1,517)	(101)
Impairment on commercial mortgage servicing rights	0	(869)	0	(1,263)
Company-owned life insurance	891	840	1,767	1,859
Other income	5,549	2,322	8,304	4,224
Total noninterest income	18,753	14,613	34,532	30,226
Noninterest expense:
Salaries and employee benefits	22,857	22,645	47,100	44,515
Occupancy and equipment	3,879	3,489	8,322	7,244
Data processing	6,544	6,082	12,855	11,955
FDIC insurance	1,196	826	2,525	1,656
Professional	1,663	1,516	3,423	3,488
Marketing	670	733	1,373	1,421
Communications	496	635	1,007	1,347
Loan expense	1,420	1,137	2,238	2,080
Amortization of intangible assets	1,208	1,318	2,499	2,716
Other expense	2,961	2,958	6,034	5,801
Total noninterest expense	42,894	41,339	87,376	82,223
Income before income taxes	28,820	29,167	57,486	56,556
Income taxes	7,245	7,284	14,139	13,924
Net income	21,575	21,883	43,347	42,632
Preferred dividends	2,228	0	4,456	0
Net income available to common shareholders	$ 19,347	$ 21,883	$ 38,891	$ 42,632
Per common share data:
Basic earnings per common share (in dollars per share)	$ 0.86	$ 0.97	$ 1.72	$ 1.89
Diluted earnings per common share (in dollars per share)	$ 0.86	$ 0.97	$ 1.72	$ 1.89
Weighted average common shares outstanding (in shares)	22,200,917	22,305,590	22,338,627	22,290,486
Weighted average diluted common shares outstanding (in shares)	22,205,079	22,360,819	22,348,981	22,355,936

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

6 Months Ended

Jun. 30, 2023

Revenue from Contract with Customer [Abstract]

Summary of Noninterest Income, Segregated by Revenue

The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and six months ended June 30, 2023 and 2022.


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Noninterest income - in-scope of Topic 606
Wealth management revenue:
Trust management/administration fees	$	5,356	$	5,139	$	10,992	$	11,121

Investment brokerage fees	430		543		861		1,141
Other	483		461		827		1,020
Service charges on deposit accounts:
Nonsufficient fund fees	1,741		1,524		3,439		2,856
Other	936		780		1,806		1,516
Interchange revenues	3,696		3,590		7,108		6,870
Other income:
Merchant services revenue	398		399		756		755
Other	1,403		671		2,033		1,439
Noninterest income - out-of-scope of Topic 606	4,310		1,506		6,710		3,508
Total noninterest income	$	18,753	$	14,613	$	34,532	$	30,226

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 58,840	$ 61,334	$ 119,344	$ 118,161
Provision for credit losses	5,879	5,441	9,014	9,608
Noninterest income	18,753	14,613	34,532	30,226
Noninterest expense	42,894	41,339	87,376	82,223
Income before income taxes	28,820	29,167	57,486	56,556
Income taxes (benefit)	7,245	7,284	14,139	13,924
Net income	21,575	21,883	43,347	42,632
Total assets	8,034,721	7,435,812	8,034,721	7,435,812	$ 7,855,501
Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	61,035	63,963	123,643	123,316
Provision for credit losses	5,879	5,441	9,014	9,608
Noninterest income	11,874	8,495	21,495	16,901
Noninterest expense	38,550	37,362	78,397	73,609
Income before income taxes	28,480	29,655	57,727	57,000
Income taxes (benefit)	7,326	7,545	14,532	14,260
Net income	21,154	22,110	43,195	42,740
Total assets	8,025,617	7,422,518	8,025,617	7,422,518
Wealth management
Segment Reporting Information [Line Items]
Net interest income (expense)	0	0	0	0
Provision for credit losses	0	0	0	0
Noninterest income	6,269	6,143	12,680	13,282
Noninterest expense	4,675	4,091	9,516	8,766
Income before income taxes	1,594	2,052	3,164	4,516
Income taxes (benefit)	445	573	884	1,263
Net income	1,149	1,479	2,280	3,253
Total assets	30,249	29,042	30,249	29,042
Other
Segment Reporting Information [Line Items]
Net interest income (expense)	(2,195)	(2,629)	(4,299)	(5,155)
Provision for credit losses	0	0	0	0
Noninterest income	610	(25)	357	43
Noninterest expense	(331)	(114)	(537)	(152)
Income before income taxes	(1,254)	(2,540)	(3,405)	(4,960)
Income taxes (benefit)	(526)	(834)	(1,277)	(1,599)
Net income	(728)	(1,706)	(2,128)	(3,361)
Total assets	$ (21,145)	$ (15,748)	$ (21,145)	$ (15,748)

REVENUE FROM CONTRACTS WITH CUSTOMERS

6 Months Ended

Jun. 30, 2023

Revenue from Contract with Customer [Abstract]

REVENUE FROM CONTRACTS WITH CUSTOMERS

The Company’s revenue from contracts with customers in the scope of Topic 606 is recognized within noninterest income in the consolidated statements of income. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and six months ended June 30, 2023 and 2022.


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Noninterest income - in-scope of Topic 606
Wealth management revenue:
Trust management/administration fees	$	5,356	$	5,139	$	10,992	$	11,121

Investment brokerage fees	430		543		861		1,141
Other	483		461		827		1,020
Service charges on deposit accounts:
Nonsufficient fund fees	1,741		1,524		3,439		2,856
Other	936		780		1,806		1,516
Interchange revenues	3,696		3,590		7,108		6,870
Other income:
Merchant services revenue	398		399		756		755
Other	1,403		671		2,033		1,439
Noninterest income - out-of-scope of Topic 606	4,310		1,506		6,710		3,508
Total noninterest income	$	18,753	$	14,613	$	34,532	$	30,226

Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and investment securities. In addition, certain noninterest income streams such as commercial FHA revenue, residential mortgage banking revenue and gain on sales of investment securities, net, are also not in scope of Topic 606. Topic 606 is applicable to noninterest income streams such as wealth management revenue, service charges on deposit accounts, interchange revenue, gain on sales of other real estate owned, and certain other noninterest income streams. The noninterest income streams considered in-scope by Topic 606 are discussed below.

Wealth Management Revenue

Wealth management revenue is primarily comprised of fees earned from the management and administration of trusts and other customer assets. Previously, the Company also earned investment advisory fees through its SEC registered investment advisory subsidiary. The Company’s performance obligation in both of these instances is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and contractually determined fee schedules. Payment is generally received a few days after month end through a direct charge to each customer’s account. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Fees generated from transactions executed by the Company’s third party broker dealer are remitted to the Company on a monthly basis for that month’s transactional activity.

Service Charges on Deposit Accounts

Service charges on deposit accounts consist of fees received under depository agreements with customers to provide access to deposited funds, serve as custodian of deposited funds, and when applicable, pay interest on deposits. These service charges primarily include non-sufficient fund fees and other account related service charges. Non-sufficient fund fees are earned when a depositor presents an item for payment in excess of available funds, and the Company, at its discretion, provides the necessary funds to complete the transaction. The Company generates other account related service charge revenue by providing depositors proper safeguard and remittance of funds as well as by delivering optional services for depositors, such as check imaging or treasury management, that are performed upon the depositor’s request. The Company’s performance obligation for the proper safeguard and remittance of funds, monthly account analysis and any other monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Payment for service charges on deposit accounts is typically received immediately or in the following month through a direct charge to a customer’s account.

Interchange Revenue

Interchange revenue includes debit / credit card income and ATM user fees. Card income is primarily comprised of interchange fees earned for standing ready to authorize and providing settlement on card transactions processed through the MasterCard interchange network. The levels and structure of interchange rates are set by MasterCard and can vary based on cardholder purchase volumes. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with completion of the Company’s performance obligation, the transaction processing services provided to the cardholder. Payment is typically received immediately or in the following month. ATM fees are primarily generated when a Company cardholder withdraws funds from a non-Company ATM or a non-Company cardholder withdraws funds from a Company ATM. The Company satisfies its performance obligation for each transaction at the point in time when the ATM withdrawal is processed.

Other Noninterest Income

The other noninterest income revenue streams within the scope of Topic 606 consist of merchant services revenue, safe deposit box rentals, wire transfer fees, paper statement fees, check printing commissions, gain on sales of other real estate owned, and other noninterest related fees. Revenue from the Company’s merchant services business consists principally of transaction and account management fees charged to merchants for the electronic processing of transactions. These fees are net of interchange fees paid to the credit card issuing bank, card company assessments, and revenue sharing amounts. Account management fees are considered earned at the time the merchant’s transactions are processed or other services are performed. Fees related to the other components of other noninterest income within the scope of Topic 606 are largely transactional based, and therefore, the Company’s performance obligation is satisfied and related revenue recognized, at the point in time the customer uses the selected service to execute a transaction.

- Definition

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-9

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-10

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-15

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-12

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-12

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-12

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-12

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147479806/606-10-50-13

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Topic 606
-Publisher FASB
-URI https://asc.fasb.org//606/tableOfContent

+ Details

LOANS - Loans to Directors, Executive Officers, Principal Shareholders and Affiliates (Details) - Directors, Executive Officers, Principal Shareholders and Affiliates - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Notes Receivable [Roll Forward]
Beginning balance	$ 19,519	$ 23,374	$ 19,776	$ 13,869
New loans and other additions	2,367	0	2,367	9,805
Repayments and other reductions	(317)	(277)	(574)	(577)
Ending balance	$ 21,569	$ 23,097	$ 21,569	$ 23,097

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

6 Months Ended

Jun. 30, 2023

Fair Value Disclosures [Abstract]

Schedule of Assets and Liabilities Measured and Recorded at Fair Value

Assets and liabilities measured and recorded at fair value, including financial assets for which the Company has elected the fair value option, on a recurring and nonrecurring basis at June 30, 2023 and December 31, 2022, are summarized below:


	June 30, 2023
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:
U.S. Treasury securities	$	42,746	$	42,746	$	—	$	—
U.S. government sponsored entities and U.S. agency securities	73,458		—		73,458		—
Mortgage-backed securities - agency	538,634		—		538,634		—
Mortgage-backed securities - non-agency	65,911		—		65,911		—
State and municipal securities	57,494		—		57,494		—
Collateralized loan obligations	22,709		—		22,709		—
Corporate securities	81,763		—		81,763		—
Equity securities	4,288		4,288		—		—
Loans held for sale	5,632		—		5,632		—
Derivative assets	630		—		630		—

Total	$	893,265	$	47,034	$	846,231	$	—
Liabilities
Derivative liabilities	$	10,580	$	—	$	10,580	$	—

Total	$	10,580	$	—	$	10,580	$	—

Assets measured at fair value on a non-recurring basis:
Loan servicing rights	$	21,611	$	—	$	—	$	21,611

Nonperforming loans	54,844		3,116		42,652		9,076
Other real estate owned	202		—		202		—
Assets held for sale	187		—		187		—


	December 31, 2022
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:
U.S. Treasury securities	$	81,230	$	81,230	$	—	$	—
U.S. government sponsored entities and U.S. agency securities	37,509		—		37,509		—
Mortgage-backed securities - agency	448,150		—		448,150		—
Mortgage-backed securities - non-agency	20,754		—		20,754		—
State and municipal securities	94,636		—		94,636		—
Corporate securities	85,955		—		85,955		—
Equity securities	8,626		8,626		—		—
Loans held for sale	1,286		—		1,286		—
Derivative assets	481		—		481		—

Total	$	778,627	$	89,856	$	688,771	$	—
Liabilities
Derivative liabilities	$	10,446	$	—	$	10,446	$	—

Total	$	10,446	$	—	$	10,446	$	—

Assets measured at fair value on a non-recurring basis:
Loan servicing rights	$	1,205	$	—	$	—	$	1,205
Mortgage servicing rights held for sale	20,745		—		20,745		—
Nonperforming loans	49,423		5,478		34,406		9,539
Other real estate owned	6,729		—		6,729		—
Assets held for sale	356		—		356		—

Schedule of Losses Recognized on Assets Measured on a Non-recurring Basis

The following table presents losses recognized on assets measured on a nonrecurring basis for the three and six months ended June 30, 2023 and 2022:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Commercial mortgage servicing rights	$	—	$	869	$	—	$	1,263

Nonperforming loans	3,573		10,779		4,676		11,366
Other real estate owned	—		67		—		404

Total losses on assets measured on a nonrecurring basis	$	3,573	$	11,715	$	4,676	$	13,033

Schedule Presents Quantitative Information about Significant Unobservable Inputs used in Fair Value Measurements of Non-recurring Assets (Level 3)

The following tables present quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured on a nonrecurring basis at June 30, 2023 and December 31, 2022:

(dollars in thousands)

Fair value

Valuation
technique

Unobservable
input / assumptions

Range (weighted average)(1)

June 30, 2023

Loan servicing rights:

SBA servicing rights

838

Discounted cash flow

Prepayment speed

15.62% - 16.02% (15.87%)

Discount rate

No range (14.25%)

Residential servicing rights

2,575

Discounted cash flow

Prepayment speed

7.20% -26.28% (7.50%)

Discount rate

9.25% - 11.75% (10.38%)

December 31, 2022

Loan servicing rights:

SBA servicing rights

876

Discounted cash flow

Prepayment speed

14.49% - 15.44% (15.00%)

Discount rate

No range (13.00%)

Residential servicing rights

2,770

Discounted cash flow

Prepayment speed

7.56% - 26.28% (7.92%)

Discount rate

9.00% - 11.50% (10.13%)

(1)Unobservable inputs were weighted by the relative fair value of the instruments.

Schedule of the Fair Value Option for Newly Originated Residential and Commercial Loans Held for Sale

The following table presents the difference between the aggregate fair value and the aggregate remaining principal balance for loans for which the fair value option has been elected as of June 30, 2023 and December 31, 2022:


	June 30, 2023						December 31, 2022
(dollars in thousands)	Aggregate fair value		Difference		Contractual principal		Aggregate fair value		Difference		Contractual principal

Residential loans held for sale	$	5,632	$	212	$	5,421	$	1,286	$	42	$	1,244

The following table presents the amount of gains (losses) from fair value changes included in income before income taxes for financial assets carried at fair value for the three and six months ended June 30, 2023 and 2022:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Commercial loans held for sale	$	—	$	(18)	$	—	$	—
Residential loans held for sale	50		104		149		(277)
Total loans held for sale	$	50	$	86	$	149	$	(277)

Schedule Presentation of Summary of the Carrying Values and Fair Value Estimates of Certain Financial Instruments

The carrying values and estimated fair value of certain financial instruments not carried at fair value at June 30, 2023 and December 31, 2022 were as follows:


	June 30, 2023
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	159,637	$	159,637	$	159,637	$	—	$	—
Federal funds sold	1,058		1,058		1,058		—		—

Loans	6,367,344		6,153,641		—		—		6,153,641
Accrued interest receivable	21,000		21,000		—		21,000		—

Liabilities
Deposits	$	6,426,548	$	6,413,857	$	—	$	6,413,857	$	—
Short-term borrowings	21,783		21,783		—		21,783		—
FHLB and other borrowings	575,000		571,334		—		571,334		—
Subordinated debt	93,404		89,232		—		89,232		—
Trust preferred debentures	50,296		51,700		—		51,700		—


	December 31, 2022
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	143,035	$	143,035	$	143,035	$	—	$	—
Federal funds sold	7,286		7,286		7,286		—		—

Loans	6,306,467		6,121,026		—		—		6,121,026
Accrued interest receivable	20,313		20,313		—		20,313		—

Liabilities
Deposits	$	6,364,652	$	6,344,534	$	—	$	6,344,534	$	—
Short-term borrowings	42,311		42,311		—		42,311		—
FHLB and other borrowings	460,000		457,998		—		457,998		—
Subordinated debt	99,772		95,301		—		95,301		—
Trust preferred debentures	49,975		54,668		—		54,668		—

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)

6 Months Ended

Jun. 30, 2023

Commitments and Contingencies Disclosure [Abstract]

Schedule of Loan Commitments

The commitments are principally tied to variable rates. Loan commitments as of June 30, 2023 and December 31, 2022 were as follows:


(dollars in thousands)	June 30, 2023		December 31, 2022
Commitments to extend credit	$	1,083,981	$	1,276,263
Financial guarantees – standby letters of credit	22,884		23,748

PREMISES, EQUIPMENT AND LEASES (Tables)

6 Months Ended

Jun. 30, 2023

Property, Plant and Equipment [Abstract]

Summary of Premises and Equipment

A summary of premises and equipment at June 30, 2023 and December 31, 2022 is as follows:


	June 30,		December 31,
(dollars in thousands)	2023		2022
Land	$	16,004	$	16,004
Buildings and improvements	75,469		71,837
Furniture and equipment	34,629		34,081
Lease right-of-use assets	7,505		7,001
Total	133,607		128,923
Accumulated depreciation	(52,601)		(50,630)
Premises and equipment, net	$	81,006	$	78,293

Summary of Information Related to Operating Leases

Information related to operating leases for the three and six months ended June 30, 2023 and 2022 was as follows:


	Three Months Ended June 30,						Six Months Ended June 30,
(dollars in thousands)	2023			2022			2023			2022
Operating lease cost	$	493		$	532		$	977		$	1,040
Operating cash flows from leases	590			630			1,180			1,236
Right-of-use assets obtained in exchange for lease obligations	218			—			1,348			121

Weighted average remaining lease term	8.0 years			7.4 years			8.0 years			7.4 years
Weighted average discount rate	3.29		%	2.89		%	3.29		%	2.89		%

Summary of Projected Minimum Rental Payments

The projected minimum rental payments under the terms of the leases as of June 30, 2023 were as follows:


(dollars in thousands)	Amount
Year ending December 31:
2023 remaining	$	947
2024	2,020
2025	1,103
2026	975
2027	875
Thereafter	4,704
Total future minimum lease payments	10,624
Less imputed interest	(1,357)
Total operating lease liabilities	$	9,267

DERIVATIVE INSTRUMENTS - Interest Rate Lock Commitments and Forward Commitments (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Other assets
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notational amount, asset	$ 14,958	$ 2,078
Fair value gain (loss)	174	49
Other liabilities
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Fair value gain (loss)	0	(15)
Notional amount, liability	0	11,088
Interest rate lock commitments \| Other assets
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notational amount, asset	6,127	2,078
Fair value gain (loss)	119	49
Interest rate lock commitments \| Other liabilities
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Fair value gain (loss)	0	(15)
Notional amount, liability	0	4,419
Forward commitments to sell mortgage-backed securities \| Other assets
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notational amount, asset	8,831	0
Fair value gain (loss)	55	0
Forward commitments to sell mortgage-backed securities \| Other liabilities
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Fair value gain (loss)	0	0
Notional amount, liability	$ 0	$ 6,669

- Definition

Nominal or face amount used to calculate payments on the derivative asset.

+ References + Details

- Definition

Nominal or face amount used to calculate payments on the derivative liability.

+ References + Details

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - 10Q (Policies)	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements of the Company have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) and conform to predominant practices within the banking industry. Management of the Company has made a number of estimates and assumptions related to the reporting of assets and liabilities to prepare the consolidated financial statements in conformity with GAAP. Actual results may differ from those estimates. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation of the results of operations for annual periods presented herein, have been included. Certain reclassifications of 2022 amounts have been made to conform to the 2023 presentation but do not have an effect on net income or shareholders’ equity.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the parent company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated. Assets held for customers in a fiduciary or agency capacity, other than trust cash on deposit with the Bank, are not assets of the Company and, accordingly, are not included in the accompanying consolidated financial statements.
Accounting Guidance Adopted in 2023 and Issued But Not Yet Adopted	Accounting Guidance Adopted in 2023 FASB ASU No. 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures – In March 2022, the FASB issued ASU No. 2022-02, which 1) eliminates the accounting guidance for troubled debt restructurings ("TDRs") by creditors while enhancing the disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty; and 2) requires that an entity disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases. ASU 2022-02 is effective for fiscal years beginning after December 15, 2022 and the amendments should be applied prospectively, although the entity has the option to apply a modified retrospective transition method for the recognition and measurement of TDRs, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. The Company adopted this guidance on January 1, 2023 and elected to apply on a prospective basis. The adoption of this accounting pronouncement did not have an impact on the consolidated financial statements aside from additional and revised disclosures. Accounting Guidance Issued But Not Yet Adopted FASB ASU No. 2020-04, "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting – In March 2020, the FASB issued ASU No. 2020-04, allowing for optional expedients and exceptions for accounting related to contracts, hedging relationships and other transactions, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision based on the expectations of when LIBOR would cease being published. In 2021, the UK Financial Conduct Authority delayed the intended cessation date of certain tenors of LIBOR to June 30, 2023. In December 2022, to ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the FASB issued ASU No. 2022-06, which defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848. The Company has been monitoring its volume of commercial loans tied to LIBOR. In 2021, the Company began prioritizing SOFR as the preferred alternative reference rate with plans to cease booking LIBOR based commitments after the end of 2021. Loans with a maturity after June 2023 are being reviewed and monitored to ensure there is appropriate fallback language in place when LIBOR is no longer published. Loans with a maturity date before that time should naturally mature and be re-underwritten with the alternative index rate. The Company believes the adoption of this guidance will not have a material impact on the consolidated financial statements.

SHORT-TERM BORROWINGS (Tables)

6 Months Ended

Jun. 30, 2023

Debt Disclosure [Abstract]

Schedule of Short Term Borrowings

The following table presents the distribution of short-term borrowings and related weighted average interest rates as of June 30, 2023 and December 31, 2022:


	Repurchase agreements
(dollars in thousands)	As of and for the six months ended June 30, 2023			As of and for the Year Ended December 31,2022
Outstanding at period-end	$	21,783		$	42,311
Average amount outstanding	30,291			58,688
Maximum amount outstanding at any month end	43,718			76,807
Weighted average interest rate:
During period	0.26		%	0.18		%
End of period	0.25		%	0.26		%

FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value option and gains and losses from fair value changes (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	$ 50	$ 86	$ 149	$ (277)
Commercial Loan Portfolio
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	0	(18)	0	0
Residential Loan Portfolio
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	5,632		5,632		$ 1,286
Difference	212		212		42
Contractual principal	5,421		5,421		$ 1,244
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	$ 50	$ 104	$ 149	$ (277)

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 159,637	$ 153,345
Federal funds sold	1,058	7,286
Cash and cash equivalents	160,695	160,631
Investment securities available for sale, at fair value	882,715	768,234
Equity securities, at fair value	4,288	8,626
Loans	6,367,344	6,306,467
Allowance for credit losses on loans	(64,950)	(61,051)
Total loans, net	6,302,394	6,245,416
Loans held for sale	5,632	1,286
Premises and equipment, net	81,006	78,293
Other real estate owned	202	6,729
Nonmarketable equity securities	46,876	46,201
Accrued interest receivable	21,000	20,313
Loan servicing rights, at lower of cost or fair value	21,611	1,205
Commercial FHA mortgage loan servicing rights held for sale	0	20,745
Goodwill	161,904	161,904
Other intangible assets, net	18,367	20,866
Company-owned life insurance	152,210	150,443
Other assets	175,821	164,609
Total assets	8,034,721	7,855,501
Deposits:
Noninterest-bearing demand deposits	1,162,909	1,362,158
Interest-bearing deposits	5,263,639	5,002,494
Total deposits	6,426,548	6,364,652
Short-term borrowings	21,783	42,311
Federal Home Loan Bank advances and other borrowings	575,000	460,000
Subordinated debt	93,404	99,772
Trust preferred debentures	50,296	49,975
Accrued interest payable and other liabilities	90,869	80,217
Total liabilities	7,257,900	7,096,927
Shareholders’ Equity:
Preferred stock, $2.00 par value; 4,000,000 shares authorized; 115,000 Series A shares, $1,000 per share liquidation preference, issued and outstanding at June 30, 2023 and December 31, 2022, respectively	110,548	110,548
Common stock, $0.01 par value; 40,000,000 shares authorized; 21,854,800 and 22,214,913 shares issued and outstanding at June 30, 2023 and December 31, 2022, respectively	218	222
Capital surplus	442,886	449,196
Retained earnings	307,888	282,405
Accumulated other comprehensive loss, net of tax	(84,719)	(83,797)
Total shareholders’ equity	776,821	758,574
Total liabilities and shareholders’ equity	$ 8,034,721	$ 7,855,501

PREMISES, EQUIPMENT AND LEASES

6 Months Ended

Jun. 30, 2023

Property, Plant and Equipment [Abstract]

PREMISES, EQUIPMENT AND LEASES

A summary of premises and equipment at June 30, 2023 and December 31, 2022 is as follows:


	June 30,		December 31,
(dollars in thousands)	2023		2022
Land	$	16,004	$	16,004
Buildings and improvements	75,469		71,837
Furniture and equipment	34,629		34,081
Lease right-of-use assets	7,505		7,001
Total	133,607		128,923
Accumulated depreciation	(52,601)		(50,630)
Premises and equipment, net	$	81,006	$	78,293

Depreciation expense for the three and six months ended June 30, 2023 was $1.2 million and $2.4 million, respectively, and $1.2 million and $2.4 million for the three and six months ended June 30, 2022, respectively.

The Company has entered into operating leases, primarily for banking offices and operating facilities, which have remaining lease terms of 8 months to 15 years, some of which may include options to extend the lease terms for up to an additional 10 years. The options to extend are included if they are reasonably certain to be exercised. The Company had operating lease right-of-use assets of $7.5 million and $7.0 million as of June 30, 2023 and December 31, 2022, respectively, included in premises and equipment on our consolidated balance sheets. The operating lease liabilities of the Company were $9.3 million and $8.9 million as of June 30, 2023 and December 31, 2022, respectively, and are included in accrued interest payable and other liabilities on our consolidated balance sheets.

Information related to operating leases for the three and six months ended June 30, 2023 and 2022 was as follows:


	Three Months Ended June 30,						Six Months Ended June 30,
(dollars in thousands)	2023			2022			2023			2022
Operating lease cost	$	493		$	532		$	977		$	1,040
Operating cash flows from leases	590			630			1,180			1,236
Right-of-use assets obtained in exchange for lease obligations	218			—			1,348			121

Weighted average remaining lease term	8.0 years			7.4 years			8.0 years			7.4 years
Weighted average discount rate	3.29		%	2.89		%	3.29		%	2.89		%

The projected minimum rental payments under the terms of the leases as of June 30, 2023 were as follows:


(dollars in thousands)	Amount
Year ending December 31:
2023 remaining	$	947
2024	2,020
2025	1,103
2026	975
2027	875
Thereafter	4,704
Total future minimum lease payments	10,624
Less imputed interest	(1,357)
Total operating lease liabilities	$	9,267

LOANS - Non-accrual (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Impaired loans (excluding PCI loans) by portfolio
Threshold amount for non accrual loans	$ 500
Nonaccrual
Nonaccrual with allowance	29,443	$ 19,445
Nonaccrual with no allowance	24,940	22,531
Total nonaccrual	54,383	41,976
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	22,573	13,923
Nonaccrual with no allowance	24,381	21,959
Total nonaccrual	46,954	35,882
Commercial Loan Portfolio \| Commercial
Nonaccrual
Nonaccrual with allowance	1,604	1,910
Nonaccrual with no allowance	969	1,111
Total nonaccrual	2,573	3,021
Commercial Loan Portfolio \| Commercial other
Nonaccrual
Nonaccrual with allowance	3,537	3,169
Nonaccrual with no allowance	0	0
Total nonaccrual	3,537	3,169
Commercial Loan Portfolio \| Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	12,016	1,345
Nonaccrual with no allowance	9,092	11,899
Total nonaccrual	21,108	13,244
Commercial Loan Portfolio \| Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	2,741	7,118
Nonaccrual with no allowance	11,647	0
Total nonaccrual	14,388	7,118
Commercial Loan Portfolio \| Multi-family
Nonaccrual
Nonaccrual with allowance	269	154
Nonaccrual with no allowance	2,673	8,949
Total nonaccrual	2,942	9,103
Commercial Loan Portfolio \| Farmland
Nonaccrual
Nonaccrual with allowance	172	25
Nonaccrual with no allowance	0	0
Total nonaccrual	172	25
Commercial Loan Portfolio \| Construction and land development
Nonaccrual
Nonaccrual with allowance	2,234	202
Nonaccrual with no allowance	0	0
Total nonaccrual	2,234	202
Residential Loan Portfolio \| Residential first lien
Nonaccrual
Nonaccrual with allowance	2,865	2,925
Nonaccrual with no allowance	559	572
Total nonaccrual	3,424	3,497
Residential Loan Portfolio \| Other residential
Nonaccrual
Nonaccrual with allowance	495	871
Nonaccrual with no allowance	0	0
Total nonaccrual	495	871
Consumer Loan Portfolio \| Consumer
Nonaccrual
Nonaccrual with allowance	97	120
Nonaccrual with no allowance	0	0
Total nonaccrual	97	120
Lease Loan Portfolio \| Lease financing
Nonaccrual
Nonaccrual with allowance	3,413	1,606
Nonaccrual with no allowance	0	0
Total nonaccrual	$ 3,413	$ 1,606

PREMISES, EQUIPMENT AND LEASES - Premises and Equipment (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Lease right-of-use assets	$ 7,505	$ 7,001
Total	133,607	128,923
Accumulated depreciation	(52,601)	(50,630)
Premises and equipment, net	81,006	78,293
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	16,004	16,004
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	75,469	71,837
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 34,629	$ 34,081

DEPOSITS - Summary of Classification of Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Classification of deposits
Noninterest-bearing demand	$ 1,162,909	$ 1,362,158
Interest-bearing:
Checking	2,499,693	2,494,073
Money market	1,226,470	1,184,101
Savings	624,005	661,932
Time	913,471	662,388
Total deposits	$ 6,426,548	$ 6,364,652

EARNINGS PER COMMON SHARE

6 Months Ended

Jun. 30, 2023

Earnings Per Share [Abstract]

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHAREEarnings per common share is calculated utilizing the two-class method. Basic earnings per common share is calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of common shares outstanding. Diluted earnings per common share is calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of shares adjusted for the dilutive effect of common stock awards. The diluted earnings per common share computation for the three and six months ended June 30, 2023 and 2022 excluded antidilutive stock options of 375,912 and 60,698, respectively, because the exercise prices of these stock options exceeded the average market

prices of the Company’s common shares for those respective periods. Presented below are the calculations for basic and diluted earnings per common share for the three and six months ended June 30, 2023 and 2022:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands, except per share data)	2023		2022		2023		2022
Net income	$	21,575	$	21,883	$	43,347	$	42,632
Preferred dividends declared	(2,228)		—		(4,456)		—

Net income available to common shareholders	19,347		21,883		38,891		42,632
Common shareholder dividends	(6,579)		(6,397)		(13,248)		(12,786)
Unvested restricted stock award dividends	(80)		(73)		(160)		(148)
Undistributed earnings to unvested restricted stock awards	(149)		(171)		(300)		(334)
Undistributed earnings to common shareholders	$	12,539	$	15,242	$	25,183	$	29,364
Basic
Distributed earnings to common shareholders	$	6,579	$	6,397	$	13,248	$	12,786
Undistributed earnings to common shareholders	12,539		15,242		25,183		29,364
Total common shareholders earnings, basic	$	19,118	$	21,639	$	38,431	$	42,150
Diluted
Distributed earnings to common shareholders	$	6,579	$	6,397	$	13,248	$	12,786
Undistributed earnings to common shareholders	12,539		15,242		25,183		29,364
Total common shareholders earnings	19,118		21,639		38,431		42,150
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	—		1		—		1
Total common shareholders earnings, diluted	$	19,118	$	21,640	$	38,431	$	42,151
Weighted average common shares outstanding, basic	22,200,917		22,305,590		22,338,627		22,290,486
Options	4,162		55,229		10,354		65,450
Weighted average common shares outstanding, diluted	22,205,079		22,360,819		22,348,981		22,355,936
Basic earnings per common share	$	0.86	$	0.97	$	1.72	$	1.89
Diluted earnings per common share	0.86		0.97		1.72		1.89

LOAN SERVICING RIGHTS - Narrative (Details) $ in Millions	3 Months Ended
LOAN SERVICING RIGHTS - Narrative (Details) $ in Millions	Sep. 30, 2022 USD ($)
Commercial FHA
Servicing Assets at Fair Value [Line Items]
Servicing Asset at Amortized Cost, Transferred to Held for Sale	$ 24.0

INVESTMENT SECURITIES - Narrative (Details)	Jun. 30, 2023 security
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position (in security)	320
Aggregate depreciation percentage	11.93%

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Loss Contingencies [Line Items]
Anticipated material loss	$ 0		$ 0
Losses as a result of make whole requests and loan repurchases	0	$ 0	0	$ 0
Liability for unresolved repurchase demands	200,000		200,000		$ 200,000
Commitments to extend credit
Loss Contingencies [Line Items]
Loan commitments	1,083,981,000		1,083,981,000		1,276,263,000
Financial guarantees – standby letters of credit
Loss Contingencies [Line Items]
Loan commitments	$ 22,884,000		$ 22,884,000		$ 23,748,000

INVESTMENT SECURITIES (Tables)

6 Months Ended

Jun. 30, 2023

Investments, Debt and Equity Securities [Abstract]

Schedule of Investment Securities Classified as Available for Sale

Investment securities available for sale at June 30, 2023 and December 31, 2022 were as follows:


	June 30, 2023
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale
U.S. Treasury securities	$	46,636	$	—	$	3,890	$	42,746
U.S. government sponsored entities and U.S. agency securities	77,510		—		4,052		73,458
Mortgage-backed securities - agency	612,214		640		74,220		538,634
Mortgage-backed securities - non-agency	69,921		—		4,010		65,911
State and municipal securities	64,481		8		6,995		57,494
Collateralized loan obligations	22,709		—		—		22,709
Corporate securities	95,172		—		13,409		81,763
Total available for sale securities	$	988,643	$	648	$	106,576	$	882,715


	December 31, 2022
(dollars in thousands)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Fair value
Investment securities available for sale
U.S. Treasury securities	$	86,313	$	113	$	5,196	$	81,230
U.S. government sponsored entities and U.S. agency securities	41,775		71		4,337		37,509
Mortgage-backed securities - agency	522,028		268		74,146		448,150
Mortgage-backed securities - non-agency	24,922		—		4,168		20,754
State and municipal securities	102,719		149		8,232		94,636
Corporate securities	95,266		—		9,311		85,955
Total available for sale securities	$	873,023	$	601	$	105,390	$	768,234

Debt Securities, Available-for-sale

the mortgages underlying the securities may be prepaid without penalties. The maturities of all other investment securities available for sale are based on final contractual maturity.


(dollars in thousands)	Amortized cost		Fair value
Investment securities available for sale
Within one year	$	23,829	$	23,763
After one year through five years	144,513		136,304
After five years through ten years	48,352		42,895
After ten years	89,814		75,208
Mortgage-backed securities	682,135		604,545
Total available for sale securities	$	988,643	$	882,715

Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three and six months ended June 30, 2023 and 2022 are summarized as follows:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Investment securities available for sale
Proceeds from sales	$	15,467	$	107,740	$	99,960	$	107,740
Gross realized gains on sales	—		716		338		716
Gross realized losses on sales	(869)		(817)		(1,855)		(817)

Schedule of Unrealized Losses and Fair Values for Investment Securities


	June 30, 2023
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale
U.S. Treasury securities	$	970	$	11	$	41,776	$	3,879	$	42,746	$	3,890
U.S. government sponsored entities and U.S. agency securities	49,365		171		24,093		3,881		73,458		4,052
Mortgage-backed securities - agency	124,341		2,251		363,472		71,969		487,813		74,220
Mortgage-backed securities - non-agency	21,926		141		20,147		3,869		42,073		4,010
State and municipal securities	8,905		201		46,959		6,794		55,864		6,995
Corporate securities	3,164		336		78,599		13,073		81,763		13,409
Total available for sale securities	$	208,671	$	3,111	$	575,046	$	103,465	$	783,717	$	106,576


	December 31, 2022
	Less than 12 Months				12 Months or more				Total
(dollars in thousands)	Fair value		Unrealized loss		Fair value		Unrealized loss		Fair value		Unrealized loss
Investment securities available for sale
U.S. Treasury securities	$	1,839	$	24	$	59,865	$	5,172	$	61,704	$	5,196
U.S. government sponsored entities and U.S. agency securities	10,288		40		23,453		4,297		33,741		4,337
Mortgage-backed securities - agency	152,657		9,736		273,353		64,410		426,010		74,146
Mortgage-backed securities - non-agency	1,924		270		18,830		3,898		20,754		4,168
State and municipal securities	35,603		1,662		41,538		6,570		77,141		8,232
Corporate securities	39,595		3,400		46,360		5,911		85,955		9,311
Total available for sale securities	$	241,906	$	15,132	$	463,399	$	90,258	$	705,305	$	105,390

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-9

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-3

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-2

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481800/320-10-50-3

+ Details

INVESTMENT SECURITIES - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Amortized cost
Within one year	$ 23,829		$ 23,829
After one year through five years	144,513		144,513
After five years through ten years	48,352		48,352
After ten years	89,814		89,814
Mortgage-backed securities	682,135		682,135
Total available for sale securities	988,643		988,643		$ 873,023
Fair value
Within one year	23,763		23,763
After one year through five years	136,304		136,304
After five years through ten years	42,895		42,895
After ten years	75,208		75,208
Mortgage-backed securities	604,545		604,545
Total available for sale securities	882,715		882,715		$ 768,234
Proceeds from sales	15,467	$ 107,740	99,960	$ 107,740
Gross realized gains on sales	0	716	338	716
Gross realized losses on sales	$ (869)	$ (817)	$ (1,855)	$ (817)

DERIVATIVE INSTRUMENTS

6 Months Ended

Jun. 30, 2023

Derivative Instruments and Hedging Activities Disclosure [Abstract]

DERIVATIVE INSTRUMENTS

As part of the Company’s overall management of interest rate sensitivity, the Company utilizes derivative instruments to minimize significant, unanticipated earnings fluctuations caused by interest rate volatility, including interest rate lock commitments, forward commitments to sell mortgage-backed securities, cash flow hedges and interest rate swap contracts.

Interest Rate Lock Commitments / Forward Commitments to Sell Mortgage-Backed Securities

The Company issues interest rate lock commitments on originated fixed-rate commercial and residential real estate loans to be sold. The interest rate lock commitments and loans held for sale are hedged with forward contracts to sell mortgage-backed securities. The fair value of the interest rate lock commitments and forward contracts to sell mortgage-backed securities are included in other assets or other liabilities in the consolidated balance sheets. Changes in the fair value of derivative financial instruments are recognized in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income.


	Notional amount				Fair value gain
(dollars in thousands)	June 30, 2023		December 31, 2022		June 30, 2023		December 31, 2022
Derivative instruments (included in other assets):
Interest rate lock commitments	$	6,127	$	2,078	$	119	$	49
Forward commitments to sell mortgage-backed securities	8,831		—		55		—
Total	$	14,958	$	2,078	$	174	$	49


	Notional amount				Fair value loss
(dollars in thousands)	June 30, 2023		December 31, 2022		June 30, 2023		December 31, 2022
Derivative instruments (included in other liabilities):
Interest rate lock commitments	$	—	$	4,419	$	—	$	15
Forward commitments to sell mortgage-backed securities	—		6,669		—		—
Total	$	—	$	11,088	$	—	$	15

During both the three and six months ended June 30, 2023, the Company recognized net gains of $0.1 million on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income.

During the three and six months ended June 30, 2022, the Company recognized net losses of $0.4 million and $0.3 million, respectively, on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income.

Cash Flow Hedges

In the first quarter of 2022, the Company entered into interest rate swap agreements, which qualify as cash flow hedges, to manage the risk of changes in future cash flows due to interest rate fluctuations. The following table summarizes the Company's receive-fixed, pay-variable interest rate swaps on certain pools of loans indexed to prime at June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023			December 31, 2022
Notional Amount	$	225,000		$	200,000
Fair value loss included in other liabilities	(10,124)			(9,999)
Tax effected amount included in accumulated other comprehensive (loss) income	(7,391)			(7,300)
Average remaining life	3.09			3.37
Weighted average pay rate	7.71		%	7.23		%
Weighted average receive rate	5.43		%	5.48		%

Interest Rate Swap Contracts Not Designated as Hedges

The Company entered into interest rate swap contracts sold to commercial customers who wish to modify their interest rate sensitivity. These swaps are offset by contracts simultaneously purchased by the Company from other financial dealer institutions with mirror-image terms. Because of the mirror-image terms of the offsetting contracts, in addition to collateral provisions which mitigate the impact of non-performance risk, changes in the fair value subsequent to initial recognition have a minimal effect on earnings. These derivative contracts do not qualify for hedge accounting.

The notional amounts of the customer derivative instruments and the offsetting counterparty derivative instruments were $7.2 million and $7.4 million at June 30, 2023 and December 31, 2022, respectively. The fair value of the customer derivative instruments and the offsetting counterparty derivative instruments was $0.5 million at both June 30, 2023 and December 31, 2022, which are included in other assets and other liabilities, respectively, on the consolidated balance sheets.

INVESTMENT SECURITIES - Allowance for Credit Loss and Unrealized Losses and Fair Values (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair value
Less than 12 Months, Fair value	$ 208,671	$ 241,906
Less than 12 Months, Unrealized loss	3,111	15,132
12 Months or more, Fair value	575,046	463,399
12 Months or more, Unrealized loss	103,465	90,258
Total, Fair value	783,717	705,305
Total, Unrealized loss	106,576	105,390
U.S. Treasury securities
Fair value
Less than 12 Months, Fair value	970	1,839
Less than 12 Months, Unrealized loss	11	24
12 Months or more, Fair value	41,776	59,865
12 Months or more, Unrealized loss	3,879	5,172
Total, Fair value	42,746	61,704
Total, Unrealized loss	3,890	5,196
U.S. government sponsored entities and U.S. agency securities
Fair value
Less than 12 Months, Fair value	49,365	10,288
Less than 12 Months, Unrealized loss	171	40
12 Months or more, Fair value	24,093	23,453
12 Months or more, Unrealized loss	3,881	4,297
Total, Fair value	73,458	33,741
Total, Unrealized loss	4,052	4,337
Mortgage-backed securities - agency
Fair value
Less than 12 Months, Fair value	124,341	152,657
Less than 12 Months, Unrealized loss	2,251	9,736
12 Months or more, Fair value	363,472	273,353
12 Months or more, Unrealized loss	71,969	64,410
Total, Fair value	487,813	426,010
Total, Unrealized loss	74,220	74,146
Mortgage-backed securities - non-agency
Fair value
Less than 12 Months, Fair value	21,926	1,924
Less than 12 Months, Unrealized loss	141	270
12 Months or more, Fair value	20,147	18,830
12 Months or more, Unrealized loss	3,869	3,898
Total, Fair value	42,073	20,754
Total, Unrealized loss	4,010	4,168
State and municipal securities
Fair value
Less than 12 Months, Fair value	8,905	35,603
Less than 12 Months, Unrealized loss	201	1,662
12 Months or more, Fair value	46,959	41,538
12 Months or more, Unrealized loss	6,794	6,570
Total, Fair value	55,864	77,141
Total, Unrealized loss	6,995	8,232
Corporate securities
Fair value
Less than 12 Months, Fair value	3,164	39,595
Less than 12 Months, Unrealized loss	336	3,400
12 Months or more, Fair value	78,599	46,360
12 Months or more, Unrealized loss	13,073	5,911
Total, Fair value	81,763	85,955
Total, Unrealized loss	$ 13,409	$ 9,311

SUBORDINATED DEBT (Tables)

6 Months Ended

Jun. 30, 2023

Subordinated Borrowings [Abstract]

Schedule of Summary of Company's Subordinated Debt

The following table summarizes the Company’s subordinated debt at June 30, 2023 and December 31, 2022:


	Subordinated debt
	Fixed to Float						Fixed
(dollars in thousands)	Issued September 2019			Issued September 2019			Issued June 2015			Total
At June 30, 2023
Outstanding amount	$	66,750		$	27,250		$	—		$	94,000
Carrying amount	66,455			26,949			—			93,404
Current rate	5.00		%	5.50		%	N/A
At December 31, 2022
Outstanding amount	$	72,750		$	27,250		$	550		$	100,550
Carrying amount	72,300			26,925			547			99,772
Current rate	5.00		%	5.50		%	6.50		%
Maturity date	9/30/2029			9/30/2034			6/18/2025
Optional redemption date	9/30/2024			9/30/2029			N/A
Fixed to variable conversion date	9/30/2024			9/30/2029			N/A
Variable rate	3-month SOFR plus 3.61%			3-month SOFR plus 4.05%			N/A
Interest payment terms	Semiannually			Semiannually			Semiannually

BUSINESS DESCRIPTION	6 Months Ended
BUSINESS DESCRIPTION	Jun. 30, 2023
BUSINESS DESCRIPTION
BUSINESS DESCRIPTION	BUSINESS DESCRIPTION Midland States Bancorp, Inc. (the “Company,” “we,” “our,” or “us”) is a diversified financial holding company headquartered in Effingham, Illinois. Our wholly owned banking subsidiary, Midland States Bank (the “Bank”), has branches across Illinois and in Missouri, and provides a full range of commercial and consumer banking products and services, business equipment financing, merchant credit card services, trust and investment management services, and insurance and financial planning services. Our principal business activity has been lending to and accepting deposits from individuals, businesses, municipalities and other entities. We have derived income principally from interest charged on loans and, to a lesser extent, from interest and dividends earned on investment securities. We have also derived income from noninterest sources, such as: fees received in connection with various lending and deposit services; wealth management services; commercial Federal Housing Administration ("FHA") mortgage loan servicing; residential mortgage loan originations, sales and servicing; and, from time to time, gains on sales of assets. Our principal expenses include interest expense on deposits and borrowings, operating expenses, such as salaries and employee benefits, occupancy and equipment expenses, data processing costs, professional fees and other noninterest expenses, provisions for credit losses and income tax expense.

FAIR VALUE OF FINANCIAL INSTRUMENTS

6 Months Ended

Jun. 30, 2023

Fair Value Disclosures [Abstract]

FAIR VALUE OF FINANCIAL INSTRUMENTS

Fair value is defined as the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date reflecting assumptions that a market participant would use when pricing an asset or liability. The hierarchy uses three levels of inputs to measure the fair value of assets and liabilities as follows:

•Level 1: Unadjusted quoted prices for identical assets or liabilities traded in active markets.

•Level 2: Significant other observable inputs other than Level 1, including quoted prices for similar assets and liabilities in active markets, quoted prices in less active markets, or other observable inputs that can be corroborated by observable market data.

•Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:

Investment securities. The fair value of investment securities available for sale are determined by quoted market prices, if available (Level 1). For investment securities available for sale where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For investment securities available for sale where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). Securities classified as Level 3 are not actively traded, and as a result, fair value is determined utilizing third-party valuation services through consensus pricing. There were no transfers between Levels 1, 2 or 3 during the

three and six months ended June 30, 2023 or December 31, 2022 for assets measured at fair value on a recurring basis. The fair value of equity securities is determined using quoted prices or market prices for similar securities (Level 2).

Loans held for sale. The fair value of loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan (Level 2).

Derivative instruments. The fair value of derivative instruments are determined based on derivative valuation models using observable market data as of the measurement date (Level 2).

Loan servicing rights. In accordance with GAAP, the Company records impairment charges on loan servicing rights on a non-recurring basis when the carrying value exceeds the estimated fair value. The fair value of our servicing rights is estimated by using a cash flow valuation model which calculates the present value of estimated future net servicing cash flows, taking into consideration expected mortgage loan prepayment rates, discount rates, servicing costs, replacement reserves and other economic factors which are estimated based on current market conditions (Level 3).

Mortgage servicing rights held for sale. Mortgage servicing rights held for sale consist of commercial FHA mortgage servicing rights that management has committed to a plan to sell and has the ability to sell them to a buyer in their present condition. Mortgage servicing rights held for sale are carried at the lower of their carrying value or fair value less estimated costs to sell (Level 2).

Nonperforming loans. Nonperforming loans are measured and recorded at fair value on a non-recurring basis. All of our nonaccrual loans and restructured loans are considered nonperforming and are reviewed individually for the amount of impairment, if any. Most of our loans are collateral dependent and, accordingly, we measure nonperforming loans based on the estimated fair value of such collateral. In cases where the Company has an agreed upon selling price for the collateral, the fair value is set at the selling price (Level 1). The fair value of each loan’s collateral is generally based on estimated market prices from an independently prepared appraisal, which is then adjusted for the cost related to liquidating such collateral (Level 2). When adjustments are made to an appraised value to reflect various factors such as the age of the appraisal or known changes in the market or the collateral, such valuation inputs are considered unobservable (Level 3). The nonperforming loans categorized as Level 3 also include unsecured loans and other secured loans whose fair values are based significantly on unobservable inputs such as the strength of a guarantor, cash flows discounted at the effective loan rate, and management’s judgment.

Other Real Estate Owned. OREO is initially recorded at fair value at the date of foreclosure less estimated costs of disposal, which establishes a new cost basis. After foreclosure, OREO is held for sale and is carried at the lower of cost or fair value less estimated costs of disposal. Fair value for OREO is based on an appraisal performed upon foreclosure. Property is evaluated regularly to ensure the recorded amount is supported by its fair value less estimated costs to dispose. After the initial foreclosure appraisal, fair value is generally determined by an annual appraisal unless known events warrant adjustments to the recorded value.

Assets held for sale. Assets held for sale represent the fair value of the banking facilities that are expected to be sold. The fair value of the assets held for sale was based on estimated market prices from independently prepared current appraisals (Level 2).


	June 30, 2023
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:
U.S. Treasury securities	$	42,746	$	42,746	$	—	$	—
U.S. government sponsored entities and U.S. agency securities	73,458		—		73,458		—
Mortgage-backed securities - agency	538,634		—		538,634		—
Mortgage-backed securities - non-agency	65,911		—		65,911		—
State and municipal securities	57,494		—		57,494		—
Collateralized loan obligations	22,709		—		22,709		—
Corporate securities	81,763		—		81,763		—
Equity securities	4,288		4,288		—		—
Loans held for sale	5,632		—		5,632		—
Derivative assets	630		—		630		—

Total	$	893,265	$	47,034	$	846,231	$	—
Liabilities
Derivative liabilities	$	10,580	$	—	$	10,580	$	—

Total	$	10,580	$	—	$	10,580	$	—

Assets measured at fair value on a non-recurring basis:
Loan servicing rights	$	21,611	$	—	$	—	$	21,611

Nonperforming loans	54,844		3,116		42,652		9,076
Other real estate owned	202		—		202		—
Assets held for sale	187		—		187		—


	December 31, 2022
(dollars in thousands)	Carrying amount		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets and liabilities measured at fair value on a recurring basis:
Assets
Investment securities available for sale:
U.S. Treasury securities	$	81,230	$	81,230	$	—	$	—
U.S. government sponsored entities and U.S. agency securities	37,509		—		37,509		—
Mortgage-backed securities - agency	448,150		—		448,150		—
Mortgage-backed securities - non-agency	20,754		—		20,754		—
State and municipal securities	94,636		—		94,636		—
Corporate securities	85,955		—		85,955		—
Equity securities	8,626		8,626		—		—
Loans held for sale	1,286		—		1,286		—
Derivative assets	481		—		481		—

Total	$	778,627	$	89,856	$	688,771	$	—
Liabilities
Derivative liabilities	$	10,446	$	—	$	10,446	$	—

Total	$	10,446	$	—	$	10,446	$	—

Assets measured at fair value on a non-recurring basis:
Loan servicing rights	$	1,205	$	—	$	—	$	1,205
Mortgage servicing rights held for sale	20,745		—		20,745		—
Nonperforming loans	49,423		5,478		34,406		9,539
Other real estate owned	6,729		—		6,729		—
Assets held for sale	356		—		356		—

There were no assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three and six months ended June 30, 2023 and 2022.

The following table presents losses recognized on assets measured on a nonrecurring basis for the three and six months ended June 30, 2023 and 2022:


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Commercial mortgage servicing rights	$	—	$	869	$	—	$	1,263

Nonperforming loans	3,573		10,779		4,676		11,366
Other real estate owned	—		67		—		404

Total losses on assets measured on a nonrecurring basis	$	3,573	$	11,715	$	4,676	$	13,033

(dollars in thousands)

Fair value

Valuation
technique

Unobservable
input / assumptions

Range (weighted average)(1)

June 30, 2023

Loan servicing rights:

SBA servicing rights

838

Discounted cash flow

Prepayment speed

15.62% - 16.02% (15.87%)

Discount rate

No range (14.25%)

Residential servicing rights

2,575

Discounted cash flow

Prepayment speed

7.20% -26.28% (7.50%)

Discount rate

9.25% - 11.75% (10.38%)

December 31, 2022

Loan servicing rights:

SBA servicing rights

876

Discounted cash flow

Prepayment speed

14.49% - 15.44% (15.00%)

Discount rate

No range (13.00%)

Residential servicing rights

2,770

Discounted cash flow

Prepayment speed

7.56% - 26.28% (7.92%)

Discount rate

9.00% - 11.50% (10.13%)

(1)Unobservable inputs were weighted by the relative fair value of the instruments.

ASC Topic 825, Financial Instruments, requires disclosure of the estimated fair value of certain financial instruments and the methods and significant assumptions used to estimate such fair values. Additionally, certain financial instruments and all nonfinancial instruments are excluded from the applicable disclosure requirements.

The Company has elected the fair value option for newly originated residential loans held for sale. These loans are intended for sale and are hedged with derivative instruments. We have elected the fair value option

to mitigate accounting mismatches in cases where hedge accounting is complex and to achieve operational simplification.


	June 30, 2023						December 31, 2022
(dollars in thousands)	Aggregate fair value		Difference		Contractual principal		Aggregate fair value		Difference		Contractual principal

Residential loans held for sale	$	5,632	$	212	$	5,421	$	1,286	$	42	$	1,244


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in thousands)	2023		2022		2023		2022
Commercial loans held for sale	$	—	$	(18)	$	—	$	—
Residential loans held for sale	50		104		149		(277)
Total loans held for sale	$	50	$	86	$	149	$	(277)

The carrying values and estimated fair value of certain financial instruments not carried at fair value at June 30, 2023 and December 31, 2022 were as follows:


	June 30, 2023
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	159,637	$	159,637	$	159,637	$	—	$	—
Federal funds sold	1,058		1,058		1,058		—		—

Loans	6,367,344		6,153,641		—		—		6,153,641
Accrued interest receivable	21,000		21,000		—		21,000		—

Liabilities
Deposits	$	6,426,548	$	6,413,857	$	—	$	6,413,857	$	—
Short-term borrowings	21,783		21,783		—		21,783		—
FHLB and other borrowings	575,000		571,334		—		571,334		—
Subordinated debt	93,404		89,232		—		89,232		—
Trust preferred debentures	50,296		51,700		—		51,700		—


	December 31, 2022
(dollars in thousands)	Carrying amount		Fair value		Quoted prices in active markets for identical assets (Level 1)		Significant other observable inputs (Level 2)		Significant unobservable inputs (Level 3)
Assets
Cash and due from banks	$	143,035	$	143,035	$	143,035	$	—	$	—
Federal funds sold	7,286		7,286		7,286		—		—

Loans	6,306,467		6,121,026		—		—		6,121,026
Accrued interest receivable	20,313		20,313		—		20,313		—

Liabilities
Deposits	$	6,364,652	$	6,344,534	$	—	$	6,344,534	$	—
Short-term borrowings	42,311		42,311		—		42,311		—
FHLB and other borrowings	460,000		457,998		—		457,998		—
Subordinated debt	99,772		95,301		—		95,301		—
Trust preferred debentures	49,975		54,668		—		54,668		—

The methods utilized to measure fair value of financial instruments at June 30, 2023 and December 31, 2022 represent an approximation of exit price; however, an actual exit price may differ.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

FHLB ADVANCES AND OTHER BORROWINGS (Tables)

6 Months Ended

Jun. 30, 2023

FHLB ADVANCES AND OTHER BORROWINGS

Schedule of Federal Home Loan Bank (FHLB) Advances

The following table summarizes our FHLB advances and other borrowings as of June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023		December 31, 2022


FHLB advances – fixed rate, fixed term at rates averaging 4.18% at June 30, 2023 - maturing in February 2028	$	55,000	$	—
FHLB advances – putable fixed rate at rates averaging 2.70% and 2.35% at June 30, 2023 and December 31, 2022, respectively – maturing through February 2028 with call provisions through February 2024	160,000		110,000
FHLB advances –SOFR floater at rates averaging 6.68% and 5.92% at June 30, 2023 and December 31, 2022, respectively – maturing in October 2023	100,000		100,000
FHLB advances – Short term fixed rate at rates averaging 5.18% and 4.31% at June 30, 2023 and December 31, 2022, respectively– maturing in July 2023	260,000		250,000
Total FHLB advances and other borrowings	$	575,000	$	460,000

DERIVATIVE INSTRUMENTS - Cash Flow Hedges (Details) - Cash Flow Hedge - Receive Fixed, Pay Variable Interest Rate Swaps - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Derivative disclosures
Notational amount, asset	$ 225,000	$ 200,000
Fair value (loss included in other liabilities) gain included in other assets	(10,124)	(9,999)
Tax effected amount included in accumulated other comprehensive (loss) income	$ (7,391)	$ (7,300)
Average remaining life	3 years 1 month 2 days	3 years 4 months 13 days
Long
Derivative disclosures
Weighted average rate	7.71%	7.23%
Short
Derivative disclosures
Weighted average rate	5.43%	5.48%

SUBORDINATED DEBT

6 Months Ended

Jun. 30, 2023

Subordinated Borrowings [Abstract]

SUBORDINATED DEBT

The following table summarizes the Company’s subordinated debt at June 30, 2023 and December 31, 2022:


	Subordinated debt
	Fixed to Float						Fixed
(dollars in thousands)	Issued September 2019			Issued September 2019			Issued June 2015			Total
At June 30, 2023
Outstanding amount	$	66,750		$	27,250		$	—		$	94,000
Carrying amount	66,455			26,949			—			93,404
Current rate	5.00		%	5.50		%	N/A
At December 31, 2022
Outstanding amount	$	72,750		$	27,250		$	550		$	100,550
Carrying amount	72,300			26,925			547			99,772
Current rate	5.00		%	5.50		%	6.50		%
Maturity date	9/30/2029			9/30/2034			6/18/2025
Optional redemption date	9/30/2024			9/30/2029			N/A
Fixed to variable conversion date	9/30/2024			9/30/2029			N/A
Variable rate	3-month SOFR plus 3.61%			3-month SOFR plus 4.05%			N/A
Interest payment terms	Semiannually			Semiannually			Semiannually

During the second quarter of 2023, the Company repurchased $6.0 million of the outstanding Fixed to Float Subordinated Notes due September 30, 2029. The Company recognized a gain of $0.7 million which included the discount realized on the repurchase, offset by the remaining unamortized debt issuance costs on the repurchase.

The Company also repurchased the outstanding Fixed Rate Subordinated Notes due June 18, 2025, having an aggregate principal amount of $0.6 million, during the second quarter of 2023. The aggregate repurchase price was 100% of the aggregate principal amount of the subordinated notes, plus accrued and unpaid interest.

The value of subordinated debentures have been reduced by the debt issuance costs, which are being amortized on a straight line basis through the earlier of the redemption option or maturity date. All of the subordinated debentures above may be included in Tier 2 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.

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

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME—(UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 21,575	$ 21,883	$ 43,347	$ 42,632
Investment securities available for sale:
Unrealized losses that occurred during the period	(8,020)	(32,659)	(2,656)	(83,435)
Recapture of credit loss expense	0	0	0	(221)
Reclassification adjustment for realized net losses on sales of investment securities included in net income	869	101	1,517	101
Income tax effect	1,930	8,953	308	22,977
Change in investment securities available for sale, net of tax	(5,221)	(23,605)	(831)	(60,578)
Cash flow hedges:
Net unrealized derivative (losses) gains on cash flow hedges	(2,331)	(2,010)	(125)	3,095
Income tax effect	630	553	34	(851)
Change in cash flow hedges, net of tax	(1,701)	(1,457)	(91)	2,244
Other comprehensive loss, net of tax	(6,922)	(25,062)	(922)	(58,334)
Total comprehensive income (loss)	$ 14,653	$ (3,179)	$ 42,425	$ (15,702)

SUBORDINATED DEBT - Subordinated Debt (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Subordinated Borrowing [Line Items]
Outstanding amount	$ 94,000	$ 100,550
Carrying amount	93,404	99,772
5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Outstanding amount	66,750	72,750
Carrying amount	$ 66,455	$ 72,300
Current rate	5.00%	5.00%
5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Outstanding amount	$ 27,250	$ 27,250
Carrying amount	$ 26,949	$ 26,925
Current rate	5.50%	5.50%
6.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Outstanding amount	$ 0	$ 550
Carrying amount	$ 0	$ 547
Current rate		6.50%
Three month SOFR \| 5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Variable rate	3.61%
Three month SOFR \| 5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Variable rate	4.05%

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Pay vs Performance Disclosure
Net income	$ 21,575	$ 21,883	$ 43,347	$ 42,632

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring and Nonrecurring basis (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Assets
Investment securities available for sale	$ 882,715		$ 882,715		$ 768,234
Equity securities recorded at fair value	4,288		4,288		$ 8,626
Derivative Asset, Statement of Financial Position [Extensible Enumeration]					Other assets
Losses recognized on assets measured on non-recurring basis
Commercial mortgage servicing rights	0	$ (869)	0	$ (1,263)
U.S. Treasury securities
Assets
Investment securities available for sale	42,746		42,746		$ 81,230
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	73,458		73,458		37,509
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	65,911		65,911		20,754
State and municipal securities
Assets
Investment securities available for sale	57,494		57,494		94,636
Collateralized loan obligations
Assets
Investment securities available for sale	22,709		22,709
Corporate securities
Assets
Investment securities available for sale	81,763		81,763		85,955
Recurring member
Assets
Loans held for sale	5,632		5,632		1,286
Derivative assets	630		630		481
Total	893,265		893,265		778,627
Liabilities
Derivative liabilities	10,580		10,580		10,446
Total	10,580		10,580		10,446
Recurring member \| U.S. Treasury securities
Assets
Investment securities available for sale	42,746		42,746		81,230
Recurring member \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	73,458		73,458		37,509
Recurring member \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	538,634		538,634		448,150
Recurring member \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	65,911		65,911		20,754
Recurring member \| State and municipal securities
Assets
Investment securities available for sale	57,494		57,494		94,636
Recurring member \| Collateralized loan obligations
Assets
Investment securities available for sale	22,709		22,709
Recurring member \| Corporate securities
Assets
Investment securities available for sale	81,763		81,763		85,955
Recurring member \| Equity securities
Assets
Equity securities recorded at fair value	4,288		4,288		8,626
Recurring member \| Level 1
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	47,034		47,034		89,856
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member \| Level 1 \| U.S. Treasury securities
Assets
Investment securities available for sale	42,746		42,746		81,230
Recurring member \| Level 1 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Collateralized loan obligations
Assets
Investment securities available for sale	0		0
Recurring member \| Level 1 \| Corporate securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Equity securities
Assets
Equity securities recorded at fair value	4,288		4,288		8,626
Recurring member \| Level 2
Assets
Loans held for sale	5,632		5,632		1,286
Derivative assets	630		630		481
Total	846,231		846,231		688,771
Liabilities
Derivative liabilities	10,580		10,580		10,446
Total	10,580		10,580		10,446
Recurring member \| Level 2 \| U.S. Treasury securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 2 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	73,458		73,458		37,509
Recurring member \| Level 2 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	538,634		538,634		448,150
Recurring member \| Level 2 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	65,911		65,911		20,754
Recurring member \| Level 2 \| State and municipal securities
Assets
Investment securities available for sale	57,494		57,494		94,636
Recurring member \| Level 2 \| Collateralized loan obligations
Assets
Investment securities available for sale	22,709		22,709
Recurring member \| Level 2 \| Corporate securities
Assets
Investment securities available for sale	81,763		81,763		85,955
Recurring member \| Level 2 \| Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Recurring member \| Level 3
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	0		0		0
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member \| Level 3 \| U.S. Treasury securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Collateralized loan obligations
Assets
Investment securities available for sale	0		0
Recurring member \| Level 3 \| Corporate securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Non recurring member
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	21,611		21,611		1,205
Mortgage servicing rights held for sale					20,745
Nonperforming loans	54,844		54,844		49,423
Other real estate owned	202		202		6,729
Assets held for sale	187		187		356
Losses recognized on assets measured on non-recurring basis
Commercial mortgage servicing rights	0	869	0	1,263
Nonperforming loans	3,573	10,779	4,676	11,366
Other real estate owned	0	67	0	404
Total loss on assets measured on a nonrecurring basis	3,573	$ 11,715	4,676	$ 13,033
Non recurring member \| Level 1
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0		0
Mortgage servicing rights held for sale					0
Nonperforming loans	3,116		3,116		5,478
Other real estate owned	0		0		0
Assets held for sale	0		0		0
Non recurring member \| Level 2
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0		0
Mortgage servicing rights held for sale					20,745
Nonperforming loans	42,652		42,652		34,406
Other real estate owned	202		202		6,729
Assets held for sale	187		187		356
Non recurring member \| Level 3
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	21,611		21,611		1,205
Mortgage servicing rights held for sale					0
Nonperforming loans	9,076		9,076		9,539
Other real estate owned	0		0		0
Assets held for sale	$ 0		$ 0		$ 0

Cover Page - shares	6 Months Ended
Cover Page - shares	Jun. 30, 2023	Jul. 21, 2023
Document Information [Line Items]
Document Type	10-Q
Document Annual Report	true
Document Period End Date	Jun. 30, 2023
Document Transition Report	false
Entity File Number	001-35272
Entity Registrant Name	MIDLAND STATES BANCORP, INC.
Entity Incorporation, State or Country Code	IL
Entity Tax Identification Number	37-1233196
Entity Address, Address Line One	1201 Network Centre Drive
Entity Address, City or Town	Effingham
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	62401
City Area Code	217
Local Phone Number	342-7321
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		21,796,334
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q2
Common stock
Document Information [Line Items]
Title of 12(b) Security	Common stock, $0.01 par value
Trading Symbol	MSBI
Security Exchange Name	NASDAQ
Depository Shares
Document Information [Line Items]
Title of 12(b) Security	Depositary Shares, each representing a 1/40th interest in a share of 7.75% fixed rate reset non-cumulative perpetual preferred stock, Series A
Trading Symbol	MSBIP
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Jun. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 2.00	$ 2.00
Preferred stock, shares authorized (in shares)	4,000,000	4,000,000
Preferred stock, shares issued (in shares)	115,000	115,000
Preferred stock, shares outstanding (in shares)	115,000	115,000
Preferred stock, liquidation price (in dollars per share)	$ 1,000	$ 1,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	21,854,800	22,214,913
Common stock, shares outstanding (in shares)	21,854,800	22,214,913

DEPOSITS (Tables)

6 Months Ended

Jun. 30, 2023

Deposits [Abstract]

Schedule Summarizes the Classification of Deposits

The following table summarizes the classification of deposits as of June 30, 2023 and December 31, 2022:


(dollars in thousands)	June 30, 2023		December 31, 2022
Noninterest-bearing demand	$	1,162,909	$	1,362,158
Interest-bearing:
Checking	2,499,693		2,494,073
Money market	1,226,470		1,184,101
Savings	624,005		661,932
Time	913,471		662,388
Total deposits	$	6,426,548	$	6,364,652

- Definition

Tabular disclosure of type of deposit liability.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (a)
-Publisher SEC

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (a)
-Subparagraph (1)
-Publisher SEC

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (a)
-Subparagraph (2)
-Publisher SEC

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (a)
-Subparagraph (3)
-Publisher SEC

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (a)
-Subparagraph (4)
-Publisher SEC

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (a)
-Subparagraph (5)
-Publisher SEC

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (c)
-Publisher SEC

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (d)
-Publisher SEC

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (e)
-Publisher SEC

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (f)
-Subparagraph (1)
-Publisher SEC

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (f)
-Subparagraph (2)
-Publisher SEC

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (f)
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Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (f)
-Subparagraph (2)(i)(ii)
-Publisher SEC

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (f)
-Subparagraph (2)(i)(iii)
-Publisher SEC

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph (f)
-Subparagraph (2)(i)(iv)
-Publisher SEC

+ Details

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Assets
Accrued interest receivable	$ 21,000	$ 20,313
Liabilities
Trust preferred debentures	50,296	49,975
Level 1
Assets
Cash and due from banks	159,637	143,035
Federal funds sold	1,058	7,286
Loans	0	0
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Level 2
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans	0	0
Accrued interest receivable	21,000	20,313
Liabilities
Deposits	6,413,857	6,344,534
Short-term borrowings	21,783	42,311
FHLB and other borrowings	571,334	457,998
Subordinated debt	89,232	95,301
Trust preferred debentures	51,700	54,668
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans	6,153,641	6,121,026
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Carrying amount
Assets
Cash and due from banks	159,637	143,035
Federal funds sold	1,058	7,286
Loans	6,367,344	6,306,467
Accrued interest receivable	21,000	20,313
Liabilities
Deposits	6,426,548	6,364,652
Short-term borrowings	21,783	42,311
FHLB and other borrowings	575,000	460,000
Subordinated debt	93,404	99,772
Trust preferred debentures	50,296	49,975
Fair value
Assets
Cash and due from banks	159,637	143,035
Federal funds sold	1,058	7,286
Loans	6,153,641	6,121,026
Accrued interest receivable	21,000	20,313
Liabilities
Deposits	6,413,857	6,344,534
Short-term borrowings	21,783	42,311
FHLB and other borrowings	571,334	457,998
Subordinated debt	89,232	95,301
Trust preferred debentures	$ 51,700	$ 54,668

LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Changes in allowance for credit losses on loans
Balance, beginning of period	$ 62,067	$ 52,938	$ 61,051	$ 51,062
Provision for credit losses on loans	5,879	4,741	9,014	8,873
Charge-offs	(4,034)	(3,421)	(6,433)	(6,423)
Recoveries	1,038	640	1,318	1,386
Balance, end of period	64,950	54,898	64,950	54,898
Commercial Loan Portfolio
Changes in allowance for credit losses on loans
Charge-offs	(2,949)		(4,664)
Commercial Loan Portfolio \| Commercial
Changes in allowance for credit losses on loans
Balance, beginning of period	15,762	12,621	14,639	14,375
Provision for credit losses on loans	196	(111)	2,194	278
Charge-offs	(1,071)	(60)	(2,040)	(2,214)
Recoveries	403	298	497	309
Balance, end of period	15,290	12,748	15,290	12,748
Commercial Loan Portfolio \| Commercial real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	28,216	26,277	29,290	22,993
Provision for credit losses on loans	2,427	4,284	2,097	7,728
Charge-offs	(1,544)	(2,625)	(2,290)	(2,852)
Recoveries		(62)
Recoveries	326		328	5
Balance, end of period	29,425	27,874	29,425	27,874
Commercial Loan Portfolio \| Construction and land development
Changes in allowance for credit losses on loans
Balance, beginning of period	2,442	816	2,435	972
Provision for credit losses on loans	1,049	279	1,056	123
Charge-offs	(334)	0	(334)	(6)
Recoveries	32	6	32	12
Balance, end of period	3,189	1,101	3,189	1,101
Residential Loan Portfolio \| Residential real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	4,350	3,288	4,301	2,695
Provision for credit losses on loans	1,207	133	1,270	717
Charge-offs	(54)	(46)	(85)	(150)
Recoveries	48	41	65	154
Balance, end of period	5,551	3,416	5,551	3,416
Consumer Loan Portfolio \| Consumer
Changes in allowance for credit losses on loans
Balance, beginning of period	4,129	2,672	3,599	2,558
Provision for credit losses on loans	4	415	704	672
Charge-offs	(260)	(191)	(523)	(496)
Recoveries	80	98	173	260
Balance, end of period	3,953	2,994	3,953	2,994
Lease Loan Portfolio
Changes in allowance for credit losses on loans
Balance, beginning of period	7,168	7,264	6,787	7,469
Provision for credit losses on loans	996	(259)	1,693	(645)
Charge-offs	(771)	(499)	(1,161)	(705)
Recoveries	149	259	223	646
Balance, end of period	$ 7,542	$ 6,765	$ 7,542	$ 6,765

SHORT-TERM BORROWINGS

6 Months Ended

Jun. 30, 2023

Debt Disclosure [Abstract]

SHORT-TERM BORROWINGS

The following table presents the distribution of short-term borrowings and related weighted average interest rates as of June 30, 2023 and December 31, 2022:


	Repurchase agreements
(dollars in thousands)	As of and for the six months ended June 30, 2023			As of and for the Year Ended December 31,2022
Outstanding at period-end	$	21,783		$	42,311
Average amount outstanding	30,291			58,688
Maximum amount outstanding at any month end	43,718			76,807
Weighted average interest rate:
During period	0.26		%	0.18		%
End of period	0.25		%	0.26		%

Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction, which represents the amount of the Bank’s obligation. The Bank may be required to provide additional collateral based on the fair value of the underlying securities. Investment securities with a carrying amount of $28.8 million and $46.1 million at June 30, 2023 and December 31, 2022, respectively, were pledged for securities sold under agreements to repurchase.

The Company had available lines of credit of $184.1 million and $12.2 million at June 30, 2023 and December 31, 2022, respectively, from the Federal Reserve Discount Window. The lines are collateralized by a collateral agreement with respect to a pool of commercial loans and investment securities totaling $211.2 million and $14.3 million at June 30, 2023 and December 31, 2022, respectively. There were no outstanding borrowings under these lines at June 30, 2023 and 2022.

At June 30, 2023, the Company had available federal funds lines of credit totaling $339.0 million. These lines of credit were unused at June 30, 2023.

LOANS - Aging Status of Recorded Investment (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Aging Status of recorded investment
Loans	$ 6,367,344	$ 6,306,467
Total nonaccrual	54,383	41,976
Nonperforming
Aging Status of recorded investment
Total nonaccrual	54,383	41,976
30-59 days past due \| Performing
Aging Status of recorded investment
Loans	26,593	17,328
60-89 days past due \| Performing
Aging Status of recorded investment
Loans	17,568	15,044
Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	461	1,173
Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	44,622	33,545
Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	6,268,339	6,230,946
Commercial Loan Portfolio
Aging Status of recorded investment
Loans	4,418,537	4,268,615
Total nonaccrual	46,954	35,882
Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	46,954	35,882
Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	15,265	7,123
Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	9,080	9,476
Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	71	0
Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	24,416	16,599
Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	4,347,167	4,216,134
Lease Loan Portfolio
Aging Status of recorded investment
Loans	500,485	491,744
Lease Loan Portfolio \| Performing
Aging Status of recorded investment
Loans	496,718	489,375
Lease Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Loans	3,767	2,369
Total nonaccrual	3,413	1,606
Lease Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5,161	4,415
Lease Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	4,465	1,522
Lease Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	354	0
Lease Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	9,980	5,937
Lease Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	487,092	484,201
Commercial \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	875,295	786,877
Total nonaccrual	2,573	3,021
Commercial \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	2,573	3,021
Commercial \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5,880	7
Commercial \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	5,554	112
Commercial \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	11,434	119
Commercial \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	861,288	783,737
Commercial other \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	732,616	727,697
Total nonaccrual	3,537	3,169
Commercial other \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	3,537	3,169
Commercial other \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	8,921	6,035
Commercial other \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	3,503	2,365
Commercial other \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	71	0
Commercial other \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	12,495	8,400
Commercial other \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	716,584	716,128
Commercial real estate non-owner occupied \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	1,647,680	1,591,399
Total nonaccrual	21,108	13,244
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	21,108	13,244
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5	1,008
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	23	999
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	28	2,007
Commercial real estate non-owner occupied \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	1,626,544	1,576,148
Commercial real estate owner occupied \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	453,514	496,786
Total nonaccrual	14,388	7,118
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	14,388	7,118
Commercial real estate owner occupied \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	107	73
Commercial real estate owner occupied \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	107	73
Commercial real estate owner occupied \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	439,019	489,595
Multi-family \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	273,939	277,889
Total nonaccrual	2,942	9,103
Multi-family \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	2,942	9,103
Multi-family \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	0	0
Multi-family \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	0
Multi-family \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Multi-family \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	0	0
Multi-family \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	270,997	268,786
Farmland \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	68,862	67,085
Total nonaccrual	172	25
Farmland \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	172	25
Farmland \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	152	0
Farmland \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	0
Farmland \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Farmland \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	152	0
Farmland \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	68,538	67,060
Construction and land development \| Commercial Loan Portfolio
Aging Status of recorded investment
Loans	366,631	320,882
Total nonaccrual	2,234	202
Construction and land development \| Commercial Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Total nonaccrual	2,234	202
Construction and land development \| Commercial Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	200	0
Construction and land development \| Commercial Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	0	6,000
Construction and land development \| Commercial Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Construction and land development \| Commercial Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	200	6,000
Construction and land development \| Commercial Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	364,197	314,680
Residential first lien \| Residential Loan Portfolio
Aging Status of recorded investment
Loans	311,796	304,243
Total nonaccrual	3,424	3,497
Residential first lien \| Residential Loan Portfolio \| Performing
Aging Status of recorded investment
Loans	308,335	297,663
Residential first lien \| Residential Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Loans	3,461	6,580
Total nonaccrual	3,424	3,497
Residential first lien \| Residential Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	6	82
Residential first lien \| Residential Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	115	456
Residential first lien \| Residential Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	36	428
Residential first lien \| Residential Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	157	966
Residential first lien \| Residential Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	308,215	299,780
Other residential \| Residential Loan Portfolio
Aging Status of recorded investment
Loans	59,690	61,851
Total nonaccrual	495	871
Other residential \| Residential Loan Portfolio \| Performing
Aging Status of recorded investment
Loans	59,196	59,982
Other residential \| Residential Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Loans	494	1,869
Total nonaccrual	495	871
Other residential \| Residential Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	39	188
Other residential \| Residential Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	33	13
Other residential \| Residential Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	0
Other residential \| Residential Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	72	201
Other residential \| Residential Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	59,123	60,779
Consumer \| Consumer Loan Portfolio
Aging Status of recorded investment
Loans	108,619	105,880
Total nonaccrual	97	120
Consumer \| Consumer Loan Portfolio \| Performing
Aging Status of recorded investment
Loans	108,522	105,692
Consumer \| Consumer Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Loans	97	188
Total nonaccrual	97	120
Consumer \| Consumer Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	405	139
Consumer \| Consumer Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	31	18
Consumer \| Consumer Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	12
Consumer \| Consumer Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	436	169
Consumer \| Consumer Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	108,086	105,591
Consumer other \| Consumer Loan Portfolio
Aging Status of recorded investment
Loans	968,217	1,074,134
Consumer other \| Consumer Loan Portfolio \| Performing
Aging Status of recorded investment
Loans	968,217	1,073,401
Consumer other \| Consumer Loan Portfolio \| Nonperforming
Aging Status of recorded investment
Loans	0	733
Total nonaccrual	0	0
Consumer other \| Consumer Loan Portfolio \| 30-59 days past due \| Performing
Aging Status of recorded investment
Loans	5,717	5,381
Consumer other \| Consumer Loan Portfolio \| 60-89 days past due \| Performing
Aging Status of recorded investment
Loans	3,844	3,559
Consumer other \| Consumer Loan Portfolio \| Past due 90 days or more \| Performing
Aging Status of recorded investment
Loans	0	733
Consumer other \| Consumer Loan Portfolio \| Financial Asset, Past Due \| Performing
Aging Status of recorded investment
Loans	9,561	9,673
Consumer other \| Consumer Loan Portfolio \| Financial Asset, Not Past Due \| Performing
Aging Status of recorded investment
Loans	958,656	1,064,461
Lease financing \| Lease Loan Portfolio
Aging Status of recorded investment
Total nonaccrual	$ 3,413	$ 1,606