10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒         QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2022

or

☐         TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES

EXCHANGE ACT OF 1934  For the transition period from ___________ to __________.

Commission File Number 0-16587 

Summit Financial Group, Inc.

(Exact name of registrant as specified in its charter)

West Virginia	55-0672148
(State or other jurisdiction of	(IRS Employer
incorporation or organization)	Identification No.)

300 North Main Street
Moorefield,	West Virginia	26836
(Address of principal executive offices)		(Zip Code)

(304) 530-1000

(Registrant's telephone number, including area code)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Sections 13 or 15(d) of the Securities and Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer o               Accelerated filer þ    Non-accelerated filer o

                  Smaller reporting company ☐     Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ☐ No ☑

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, Par Value $2.50 per share	SMMF	NASDAQ Global Select Market

Indicate the number of shares outstanding of each of the issuer’s classes of Common Stock as of the latest practicable date.

Common Stock, $2.50 par value

12,768,620 shares outstanding as of May 3, 2022

Table of Contents

			Page
PART  I.	FINANCIAL INFORMATION
	Item 1.	Financial Statements
		Consolidated balance sheets March 31, 2022 (unaudited) and December 31, 2021	4
		Consolidated statements of income for the three months ended March 31, 2022 and 2021 (unaudited)	5
		Consolidated statements of comprehensive income for the three months ended March 31, 2022 and 2021 (unaudited)	6
		Consolidated statements of shareholders’ equity for the three months ended March 31, 2022 and 2021 (unaudited)	7
		Consolidated statements of cash flows for the three months ended March 31, 2022 and 2021 (unaudited)	8
		Notes to consolidated financial statements (unaudited)	9
	Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	43
	Item 3.	Quantitative and Qualitative Disclosures about Market Risk	55
	Item 4.	Controls and Procedures	56
PART II.	OTHER INFORMATION
	Item 1.	Legal Proceedings	57
	Item 1A.	Risk Factors	57
	Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	57
	Item 3.	Defaults upon Senior Securities	None
	Item 4.	Mine Safety Disclosures	None
	Item 5.	Other Information	None
	Item 6.	Exhibits	58
EXHIBIT INDEX			59
SIGNATURES			60

3

Item 1. Financial Statements

Consolidated Balance Sheets (unaudited)

	March 31, 2022		December 31, 2021
Dollars in thousands, except per share amounts	(unaudited)		(*)
ASSETS
Cash and due from banks	$	18,404	$	21,006
Interest bearing deposits with other banks	42,853		57,452
Cash and cash equivalents	61,257		78,458
Debt securities available for sale (at fair value)	374,855		401,103
Debt securities held to maturity (at amortized cost; estimated fair value - $93,284 - 2022, $101,242 - 2021)	97,589		98,060
Less: allowance for credit losses	—		—
Debt securities held to maturity, net	97,589		98,060
Equity investments (at fair value)	20,574		20,202
Other investments	10,974		11,304
Loans held for sale	265		227
Loans, net of unearned fees	2,850,621		2,761,391
Less: allowance for credit losses	(32,623)		(32,298)
Loans, net	2,817,998		2,729,093
Property held for sale	6,900		9,858
Premises and equipment, net	55,713		56,371
Accrued interest and fees receivable	11,022		10,578
Goodwill and other intangible assets, net	63,212		63,590
Cash surrender value of life insurance policies and annuities	70,825		60,613
Derivative financial instruments	24,455		11,187
Other assets	28,052		26,075
Total assets	$	3,643,691	$	3,576,719
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Deposits
Non-interest bearing	$	629,002	$	568,986
Interest bearing	2,379,061		2,374,103
Total deposits	3,008,063		2,943,089
Short-term borrowings	140,146		140,146
Long-term borrowings	674		679
Subordinated debentures, net	102,997		102,891
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		19,589
Other liabilities	41,756		42,852
Total liabilities	3,313,225		3,249,246
Commitments and Contingencies
Shareholders' Equity
Preferred stock, $1.00 par value, authorized 250,000 shares; issued: 2022 and 2021- 1,500	14,920		14,920
Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2022 - 12,768,620 shares and 2021 - 12,763,827 shares; outstanding: 2022 - 12,753,094 shares and 2021 - 12,743,125	89,842		89,525
Unallocated common stock held by Employee Stock Ownership Plan - 2022 - 15,526 shares and 2021 - 20,702 shares	(167)		(224)
Retained earnings	226,944		217,770
Accumulated other comprehensive (loss) income	(1,073)		5,482
Total shareholders' equity	330,466		327,473
Total liabilities and shareholders' equity	$	3,643,691	$	3,576,719

(*) - Derived from audited consolidated financial statements

See Notes to Consolidated Financial Statements

4

Consolidated Statements of Income (unaudited)

	For the Three Months Ended March 31,
Dollars in thousands (except per share amounts)	2022		2021
Interest income
Loans, including fees
Taxable	$	30,178	$	27,419
Tax-exempt	46		119
Securities
Taxable	1,656		1,295
Tax-exempt	967		862
Interest on interest bearing deposits with other banks	46		67
Total interest income	32,893		29,762
Interest expense
Deposits	1,727		2,496
Short-term borrowings	373		469
Long-term borrowings and subordinated debentures	1,239		545
Total interest expense	3,339		3,510
Net interest income	29,554		26,252
Provision for credit losses	1,950		1,500
Net interest income after provision for credit losses	27,604		24,752
Noninterest income
Trust and wealth management fees	757		638
Mortgage origination revenue	339		998
Service charges on deposit accounts	1,401		1,100
Bank card revenue	1,491		1,341
Realized (losses) gains on debt securities, net	(152)		476
Gain on equity investments	372		—
Bank owned life insurance and annuities income	283		298
Other	54		123
Total noninterest income	4,545		4,974
Noninterest expenses
Salaries, commissions and employee benefits	9,700		8,435
Net occupancy expense	1,242		1,174
Equipment expense	1,843		1,581
Professional fees	362		338
Advertising and public relations	172		90
Amortization of intangibles	378		405
FDIC premiums	390		277
Bank card expense	714		573
Foreclosed properties expense, net of (gains)/losses	(90)		227
Acquisition-related expenses	29		440
Other	2,459		2,893
Total noninterest expenses	17,199		16,433
Income before income tax expense	14,950		13,293
Income tax expense	3,257		2,933
Net income	11,693		10,360
Preferred stock dividends	225		—
Net income applicable to common shares	$	11,468	$	10,360
Basic earnings per common share	$	0.90	$	0.80
Diluted earnings per common share	$	0.90	$	0.80

See Notes to Consolidated Financial Statements 

5

Consolidated Statements of Comprehensive Income (unaudited)

	For the Three Months Ended   March 31,
Dollars in thousands	2022		2021
Net income	$	11,693	$	10,360
Other comprehensive (loss) income:
Net unrealized gain on cashflow hedges of:
2022 - $11,133, net of deferred taxes of $(2,672); 2021 - $8,013, net of deferred taxes of $(1,923)	8,461		6,090
Net unrealized gain on fair value hedge of available for sale securities of:
2022 - $2,724, net of deferred taxes of $(654)	2,070		—
Net unrealized loss on debt securities available for sale of:
2022 - $(22,482), net of deferred taxes of $5,396 and reclassification adjustment for net realized losses included in net income of $(152), net of tax of $36; 2021 - $(3,575), net of deferred taxes of $858 and reclassification adjustment for net realized gains included in net income of $476, net of tax of $(114)	(17,086)		(2,717)
Total other comprehensive (loss) income	(6,555)		3,373
Total comprehensive income	$	5,138	$	13,733

See Notes to Consolidated Financial Statements

6

Consolidated Statements of Shareholders’ Equity (unaudited)

Dollars in thousands, except per share   amounts	Preferred Stock and Related Surplus		Common Stock and Related Surplus		Unallocated Common Stock Held by ESOP		Retained Earnings		Accumulated Other Compre- hensive (Loss) Income		Total Share- holders' Equity
Balance December 31, 2021	$	14,920	$	89,525	$	(224)	$	217,770	$	5,482	$	327,473
Three Months Ended March 31, 2022
Net income	—		—		—		11,693		—		11,693
Other comprehensive loss	—		—		—		—		(6,555)		(6,555)
Exercise of SARs - 390 shares	—		—		—		—		—		—
Vesting of RSUs - 1,846 shares	—		—		—		—		—		—
Share-based compensation expense	—		169		—		—		—		169
Unallocated ESOP shares committed to be released - 5,176 shares	—		83		57		—		—		140
Common stock issuances from reinvested dividends - 2,557 shares	—		65		—		—		—		65
Preferred stock cash dividends declared	—		—		—		(225)		—		(225)
Common stock cash dividends declared ($0.18 per share)	—		—		—		(2,294)		—		(2,294)
Balance, March 31, 2022	$	14,920	$	89,842	$	(167)	$	226,944	$	(1,073)	$	330,466
Balance December 31, 2020	$	—	$	94,964	$	(472)	$	181,643	$	5,445	$	281,580
Three Months Ended March 31, 2021
Net income	—		—		—		10,360		—		10,360
Other comprehensive income			—		—		—		3,373		3,373
Exercise of SARs - 380 shares	—		—		—		—		—		—
Share-based compensation expense	—		126		—		—		—		126
Unallocated ESOP shares committed to be released - 5,751 shares	—		74		62		—		—		136
Common stock issuances from reinvested dividends - 2,579 shares	—		70		—		—		—		70
Common stock cash dividends declared ($0.17 per share)	—		—		—		(2,200)		—		(2,200)
Balance, March 31, 2021	$	—	$	95,234	$	(410)	$	189,803	$	8,818	$	293,445

See Notes to Consolidated Financial Statements

7

Consolidated Statements of Cash Flows (unaudited)

	Three Months Ended
Dollars in thousands	March 31, 2022		March 31, 2021
Cash Flows from Operating Activities
Net income	$	11,693	$	10,360
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	930		859
Provision for credit losses	1,950		1,500
Share-based compensation expense	169		126
Deferred income tax expense (benefit)	661		(127)
Loans originated for sale	(8,891)		(38,748)
Proceeds from sale of loans	9,006		38,413
Gains on loans held for sale	(153)		(750)
Realized losses (gains) on debt securities, net	152		(476)
Gains on equity investments	(372)		—
(Gain) loss on disposal of assets	(109)		138
Write-downs of foreclosed properties	24		23
Amortization of securities premiums, net	1,255		948
Accretion related to acquisition adjustments, net	(357)		(371)
Amortization of intangibles	378		405
Earnings on bank owned life insurance and annuities	(212)		(302)
(Increase) decrease in accrued interest receivable	(444)		1,335
Increase in other assets	(332)		(163)
(Decrease) increase in other liabilities	(512)		2,348
Net cash provided by operating activities	14,836		15,518
Cash Flows from Investing Activities
Proceeds from maturities and calls of debt securities available for sale	210		2,825
Proceeds from sales of debt securities available for sale	16,092		5,117
Principal payments received on debt securities available for sale	8,730		7,222
Purchases of debt securities available for sale	(22,202)		(44,012)
Purchases of other investments	(304)		—
Proceeds from redemptions of other investments	304		3,138
Net loan originations	(90,457)		(40,428)
Purchases of premises and equipment	(320)		(1,611)
Proceeds from sales of repossessed assets & property held for sale	3,063		1,534
Purchase of life insurance contracts and annuities	(10,000)		—
Net cash used in investing activities	(94,884)		(66,215)
Cash Flows from Financing Activities
Net increase in demand deposit, NOW and savings accounts	71,595		153,810
Net decrease in time deposits	(6,289)		(24,168)
Repayment of long-term borrowings	(5)		(5)
Proceeds from issuance of common stock, net of issuance costs	65		70
Dividends paid on common stock	(2,294)		(2,200)
Dividends paid on preferred stock	(225)		—
Net cash provided by financing activities	62,847		127,507
(Decrease) increase in cash and cash equivalents	(17,201)		76,810
Cash and cash equivalents:
Beginning	78,458		99,787
Ending	$	61,257	$	176,597
Supplemental Disclosures of Cash Flow Information
Cash payments for:
Interest	$	2,680	$	3,302

See Notes to Consolidated Financial Statements

8

NOTE 1.  BASIS OF PRESENTATION

We, Summit Financial Group, Inc. and subsidiaries, prepare our consolidated financial statements in accordance with accounting principles generally accepted in the United States of America for interim financial information and with instructions to Form 10-Q and Regulation S-X.  Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for annual year end financial statements.  In our opinion, all adjustments considered necessary for a fair presentation have been included and are of a normal recurring nature.

The presentation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ materially from these estimates. You should carefully consider each risk factor discussed in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2021.

The results of operations for the three months ended March 31, 2022 are not necessarily indicative of the results to be expected for the full year.  The consolidated financial statements and notes included herein should be read in conjunction with our 2021 audited financial statements and Annual Report on Form 10-K. 

NOTE 2.  SIGNIFICANT NEW AUTHORITATIVE ACCOUNTING GUIDANCE

Recently Adopted

In October 2020, the FASB issued ASU 2020-08 Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable fees and Other Costs which clarifies that an entity should reevaluate whether a callable debt security is within the scope of ASC paragraph 310-20-35-33 for each reporting period. For public business entities, the ASU is effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is not permitted. All entities should apply ASU No. 2020-08 on a prospective basis as of the beginning of the period of adoption for existing or newly purchased callable debt securities. The adoption of ASU 2020-08 did not have a material impact on our consolidated financial statements.

Pending Adoption

In March 2020, the Financial Accounting Standards Board (FASB) issued ASU 2020-04 Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting which provides temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022. At this time, we do not anticipate any material adverse impact to our business operation or financial results during the period of transition.

In October 2021, the FASB issued ASU 2021-08 Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from Contracts with Customers. The ASU requires entities to apply Topic 606 to recognize and measure contract assets and contract liabilities in a business combination. The amendments improve comparability after the business combination by providing consistent recognition and measurement guidance for revenue contracts with customers acquired in a business combination and revenue contracts with customers not acquired in a business combination. The ASU is effective for fiscal years, including interim periods within those fiscal years, beginning after December 15, 2022. Entities should apply the amendments prospectively and early adoption is permitted. We do not expect the adoption of ASU 2021-08 to have a material impact on our consolidated financial statements.

In March 2022, the Financial Accounting Standards Board (FASB) issued ASU No. 2022-01, Derivatives and Hedging (Topic 815), Fair Value Hedging—Portfolio Layer Method. ASU 2022-01 clarifies the guidance in ASC 815 on fair value hedge accounting of interest rate risk for portfolios of financial assets and is intended to better align hedge accounting with an organization’s risk management strategies. In 2017, FASB issued ASU 2017-12 to better align the economic results of risk management activities with hedge accounting. One of the major provisions of that standard was the addition of the last-of-layer hedging method. For a closed portfolio of fixed-rate prepayable financial assets or one or more beneficial interests secured by a portfolio of prepayable financial instruments, such as mortgages or mortgage-backed securities, the last-of-layer method allows

9

an entity to hedge its exposure to fair value changes due to changes in interest rates for a portion of the portfolio that is not expected to be affected by prepayments, defaults, and other events affecting the timing and amount of cash flows. ASU 2022-01 renames that method the portfolio layer method. For public business entities, ASU 2022-01 is effective for fiscal years beginning after December 15, 2022, and interim periods within those fiscal years. We do not expect the adoption of ASU 2022-01 to have a material impact on our consolidated financial statements.

In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. ASU 2022-02 eliminates the accounting guidance for troubled debt restructurings in ASC Subtopic 310-40, Receivables - Troubled Debt Restructurings by Creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. Additionally, ASU 2022-02 requires entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of ASC Subtopic 3126-20, Financial Instruments - Credit Losses - Measured at Amortized Cost. ASU 2022-02 will be effective for us on January 1, 2023 though early adoption is permitted. The adoption of ASU 2022-02 is not expected to have a significant impact on our financial statements.

NOTE 3.  FAIR VALUE MEASUREMENTS

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	March 31, 2022		Level 1		Level 2		Level 3
Debt securities available for sale
U.S. Government sponsored agencies	$	33,899	$	—	$	33,899	$	—
Mortgage backed securities:
Government sponsored agencies	57,193		—		57,193		—
Nongovernment sponsored entities	32,280		—		32,280		—
State and political subdivisions	111,949		—		111,949		—
Corporate debt securities	32,366		—		32,366		—
Asset-backed securities	24,077		—		24,077		—
Tax-exempt state and political subdivisions	83,091		—		83,091		—
Total debt securities available for sale	$	374,855	$	—	$	374,855	$	—
Derivative financial assets
Interest rate caps	$	20,953	$	—	$	20,953	$	—
Interest rate swaps	3,502		—		3,502		—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2021		Level 1		Level 2		Level 3
Debt securities available for sale
U.S. Government sponsored agencies	$	36,629	$	—	$	36,629	$	—
Mortgage backed securities:
Government sponsored agencies	62,211		—		62,211		—
Nongovernment sponsored entities	26,586		—		26,586		—
State and political subdivisions	137,786		—		137,786		—
Corporate debt securities	30,278		—		30,278		—
Asset-backed securities	24,883		—		24,883		—
Tax-exempt state and political subdivisions	82,730		—		82,730		—
Total debt securities available for sale	$	401,103	$	—	$	401,103	$	—
Derivative financial assets
Interest rate caps	$	11,187	$	—	$	11,187	$	—
Derivative financial liabilities
Interest rate swaps	$	1,124	$	—	$	1,124	$	—

We may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles.  These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period.  Assets measured at fair value on a nonrecurring basis are included in the table below.

10

	Balance at		Fair Value Measurements Using:
Dollars in thousands	March 31, 2022		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	265	$	—	$	265	$	—
Collateral-dependent loans with an ACLL
Commercial real estate	$	3,051	$	—	$	3,051	$	—
Construction and development	350		—		350		—
Residential real estate	337		—		182		155
Total collateral-dependent loans with an ACLL	$	3,738	$	—	$	3,583	$	155
Property held for sale
Commercial real estate	$	1,163	$	—	$	1,163	$	—
Construction and development	5,350		—		5,350		—
Residential real estate	—		—		—		—
Total property held for sale	$	6,513	$	—	$	6,513	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2021		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	227	$	—	$	227	$	—
Collateral-dependent loans with an ACLL
Commercial real estate	$	2,417	$	—	$	2,417	$	—
Construction and development	693		—		693		—
Residential real estate	528		—		528		—
Total collateral-dependent loans with an ACLL	$	3,638	$	—	$	3,638	$	—
Property held for sale
Commercial real estate	$	1,170	$	—	$	1,170	$	—
Construction and development	7,893		—		7,893		—
Residential real estate	27		—		27		—
Total property held for sale	$	9,090	$	—	$	9,090	$	—

11

The carrying values and estimated fair values of our financial instruments are summarized below:

	March 31, 2022				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	61,257	$	61,257	$	18,404	$	42,853	$	—
Debt securities available for sale	374,855		374,855		—		374,855		—
Debt securities held to maturity	97,589		93,284		—		93,284		—
Equity investments	20,574		20,574		—		20,574		—
Other investments	10,974		10,974		—		10,974		—
Loans held for sale, net	265		265		—		265		—
Loans, net	2,817,998		2,864,756		—		3,583		2,861,173
Accrued interest receivable	11,022		11,022		—		11,022		—
Cash surrender value of life insurance policies and annuities	70,825		70,825		—		70,825		—
Derivative financial assets	24,455		24,455		—		24,455		—
	$	3,489,814	$	3,532,267	$	18,404	$	652,690	$	2,861,173
Financial liabilities
Deposits	$	3,008,063	$	2,893,414	$	—	$	2,893,414	$	—
Short-term borrowings	140,146		140,146		—		140,146		—
Long-term borrowings	674		743		—		743		—
Subordinated debentures	102,997		104,624		—		—		104,624
Subordinated debentures owed to unconsolidated   subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,548		1,548		—		1,548		—
	$	3,273,017	$	3,160,064	$	—	$	3,055,440	$	104,624

	December 31, 2021				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	78,458	$	78,458	$	21,006	$	57,452	$	—
Debt securities available for sale	401,103		401,103		—		401,103		—
Debt securities held to maturity	98,060		101,242		—		101,242		—
Equity investments	20,202		20,202		—		20,202		—
Other investments	11,304		11,304		—		11,304		—
Loans held for sale, net	227		227		—		227		—
Loans, net	2,729,093		2,726,959		—		3,638		2,723,321
Accrued interest receivable	10,578		10,578		—		10,578		—
Cash surrender value of life insurance policies and annuities	60,613		60,613		—		60,613		—
Derivative financial assets	11,187		11,187		—		11,187		—
	$	3,420,825	$	3,421,873	$	21,006	$	677,546	$	2,723,321
Financial liabilities
Deposits	$	2,943,089	$	2,944,722	$	—	$	2,944,722	$	—
Short-term borrowings	140,146		140,146		—		140,146		—
Long-term borrowings	679		795		—		795		—
Subordinated debentures	102,891		103,623		—		—		103,623
Subordinated debentures owed to unconsolidated   subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	788		788		—		788		—
Derivative financial liabilities	1,124		1,124		—		1,124		—
	$	3,208,306	$	3,210,787	$	—	$	3,107,164	$	103,623

12

NOTE 4.  EARNINGS PER SHARE

The computations of basic and diluted earnings per share follow:

	For the Three Months Ended March 31,
	2022					2021
Dollars in thousands,except per share amounts	Net Income (Numerator)		Common Shares (Denominator)	Per Share		Net Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	11,693				$	10,360
Less preferred stock dividends	(225)					—
Basic earnings per share	$	11,468	12,745,297	$	0.90	$	10,360	12,942,099	$	0.80
Effect of dilutive securities:
Stock options			—					4,511
Stock appreciation rights ("SARs")			51,681					49,781
Restricted stock units ("RSUs")			4,925					5,671
Diluted earnings per share	$	11,468	12,801,903	$	0.90	$	10,360	13,002,062	$	0.80

Stock option and SAR grants are disregarded in this computation if they are determined to be anti-dilutive.  All stock options were dilutive for the three months ended March 31, 2021. Our anti-dilutive SARs for the three months ended March 31, 2022 and March 31, 2021 were 346,920 and 222,740, respectively.

NOTE 5.  DEBT SECURITIES

Debt Securities Available for Sale

The amortized cost, unrealized gains, unrealized losses and estimated fair values of debt securities available for sale at March 31, 2022 and December 31, 2021 are summarized as follows:

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	34,193	$	131	$	425	$	33,899
Residential mortgage-backed securities:
Government-sponsored agencies	58,521		410		1,738		57,193
Nongovernment-sponsored entities	32,859		18		597		32,280
State and political subdivisions
General obligations	76,033		3		8,876		67,160
Various tax revenues	13,023		8		1,170		11,861
Other revenues	35,490		34		2,596		32,928
Corporate debt securities	32,818		30		482		32,366
Asset-backed securities	24,319		38		280		24,077
Total taxable debt securities	307,256		672		16,164		291,764
Tax-exempt debt securities
State and political subdivisions
General obligations	49,441		375		2,953		46,863
Water and sewer revenues	10,510		76		505		10,081
Lease revenues	7,945		144		232		7,857
Various tax revenues	9,631		21		796		8,856
Other revenues	10,096		56		718		9,434
Total tax-exempt debt securities	87,623		672		5,204		83,091
Total debt securities available for sale	$	394,879	$	1,344	$	21,368	$	374,855

13

	December 31, 2021
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	36,820	$	169	$	360	$	36,629
Residential mortgage-backed securities:
Government-sponsored agencies	61,646		1,153		588		62,211
Nongovernment-sponsored entities	26,839		26		279		26,586
State and political subdivisions
General obligations	78,627		377		1,323		77,681
Water and sewer revenues	9,839		294		—		10,133
Lease revenues	6,401		215		26		6,590
Income tax revenues	6,487		250		3		6,734
Sales tax revenues	6,909		19		99		6,829
Various tax revenues	13,031		218		203		13,046
Utility revenues	7,153		137		130		7,160
Other revenues	9,291		331		9		9,613
Corporate debt securities	30,524		78		324		30,278
Asset-backed securities	24,873		97		87		24,883
Total taxable debt securities	318,440		3,364		3,431		318,373
Tax-exempt debt securities
State and political subdivisions
General obligations	47,583		1,526		270		48,839
Water and sewer revenues	10,618		375		15		10,978
Lease revenues	7,974		553		31		8,496
Other revenues	14,028		405		16		14,417
Total tax-exempt debt securities	80,203		2,859		332		82,730
Total debt securities available for sale	$	398,643	$	6,223	$	3,763	$	401,103

Accrued interest receivable on debt securities available for sale totaled $2.5 million and $2.3 million at March 31, 2022 and December 31, 2021 and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets.

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our available for sale portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
California	$	47,963	$	71	$	4,832	$	43,202
Texas	23,385		66		2,324		21,127
Pennsylvania	14,101		123		848		13,376
Oregon	14,751		—		1,928		12,823
Washington	12,737		60		851		11,946

Management performs pre-purchase and ongoing analysis to confirm that all investment securities meet applicable credit quality standards.  

14

The maturities, amortized cost and estimated fair values of debt securities available for sale at March 31, 2022, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	35,137	$	34,887
Due from one to five years	83,090		82,135
Due from five to ten years	58,133		56,755
Due after ten years	218,519		201,078
Total	$	394,879	$	374,855

The proceeds from sales, calls and maturities of debt securities available for sale, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the three months ended March 31, 2022 and 2021 are as follows:

	Proceeds from						Gross realized
Dollars in thousands	Sales		Calls and Maturities		Principal Payments		Gains		Losses
For the Three Months Ended   March 31,
2022	$	16,092	$	210	$	8,730	$	97	$	249
2021	$	5,117	$	2,825	$	7,222	$	476	$	—

Provided below is a summary of debt securities available for sale which were in an unrealized loss position at March 31, 2022 and December 31, 2021.

	March 31, 2022
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and corporations	43	$	6,306	$	63	$	21,545	$	362	$	27,851	$	425
Residential mortgage-backed securities:
Government-sponsored agencies	34	30,776		1,505		7,310		233		38,086		1,738
Nongovernment-sponsored entities	10	13,596		388		4,708		209		18,304		597
State and political subdivisions:
General obligations	53	64,626		8,640		1,539		236		66,165		8,876
Various tax revenues	8	8,565		843		1,494		327		10,059		1,170
Other revenues	22	25,515		2,596		—		—		25,515		2,596
Corporate debt securities	17	15,346		364		2,896		118		18,242		482
Asset-backed securities	12	14,888		123		2,653		157		17,541		280
Tax-exempt debt securities
State and political subdivisions:
General obligations	17	30,383		2,917		821		36		31,204		2,953
Water and sewer revenues	6	4,792		505		—		—		4,792		505
Lease revenues	2	3,291		232		—		—		3,291		232
Various tax revenues	5	7,049		782		143		14		7,192		796
Other revenues	4	7,062		718		—		—		7,062		718
Total	233	$	232,195	$	19,676	$	43,109	$	1,692	$	275,304	$	21,368

15

	December 31, 2021
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and       corporations	41	$	6,630	$	23	$	21,061	$	337	$	27,691	$	360
Residential mortgage-backed securities:
Government-sponsored agencies	19	19,828		376		6,886		212		26,714		588
Nongovernment-sponsored entities	6	4,345		61		7,591		218		11,936		279
State and political subdivisions:
General obligations	41	62,543		1,286		1,055		37		63,598		1,323
Lease revenues	2	1,564		14		494		12		2,058		26
Income tax revenues	1	721		3		—		—		721		3
Sales tax revenues	2	6,052		99		—		—		6,052		99
Various tax revenues	5	8,389		203		—		—		8,389		203
Utility revenues	3	5,175		130		—		—		5,175		130
Other revenues	1	744		9		—		—		744		9
Corporate debt securities	10	10,534		314		990		10		11,524		324
Asset-backed securities	8	10,522		86		751		1		11,273		87
Tax-exempt debt securities
State and political subdivisions:
General obligations	13	25,555		261		853		9		26,408		270
Water and sewer revenues	1	904		15		—		—		904		15
Lease revenues	1	2,396		31		—		—		2,396		31
Other revenues	3	3,558		15		156		1		3,714		16
Total	157	$	169,460	$	2,926	$	39,837	$	837	$	209,297	$	3,763

We do not intend to sell the above securities, and it is more likely than not that we will not be required to sell these securities before recovery of their amortized cost bases.  We believe that this decline in value is primarily attributable to changes in market interest rates, and in some cases limited market liquidity and is not due to credit quality as none of these securities are in default and all carry above investment grade ratings. Accordingly, no allowance for credit losses has been recognized relative to these securities.

Debt Securities Held to Maturity

The amortized cost, unrealized gains, unrealized losses and estimated fair values of debt securities held to maturity at March 31, 2022 and December 31, 2021 are summarized as follows:

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Held to Maturity
Tax-exempt debt securities
State and political subdivisions
General obligations	$	71,458	$	—	$	2,834	$	68,624
Water and sewer revenues	8,146		—		300		7,846
Lease revenues	4,295		—		314		3,981
Sales tax revenues	4,566		—		282		4,284
Various tax revenues	5,574		—		458		5,116
Other revenues	3,550		—		117		3,433
Total debt securities held to maturity	$	97,589	$	—	$	4,305	$	93,284

16

	December 31, 2021
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Held to Maturity
Tax-exempt debt securities
State and political subdivisions
General obligations	$	71,807	$	2,583	$	—	$	74,390
Water and sewer revenues	8,192		210		—		8,402
Lease revenues	4,316		74		—		4,390
Sales tax revenues	4,582		106		—		4,688
Other revenues	9,163		214		5		9,372
Total debt securities held to maturity	$	98,060	$	3,187	$	5	$	101,242

Accrued interest receivable on debt securities held to maturity totaled $937,000 and $1.1 million at March 31, 2022 and December 31, 2021, respectively and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets.

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our held to maturity portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Texas	$	15,326	$	—	$	498	$	14,828
California	9,823		—		357		9,466
Pennsylvania	8,596		—		281		8,315
Florida	7,563		—		406		7,157
Michigan	7,001		—		365		6,636

The following table displays the amortized cost of held to maturity debt securities by credit rating at March 31, 2022 and December 31, 2021.

	March 31, 2022
Dollars in thousands	AAA		AA		A		BBB		Below Investment Grade
Tax-exempt state and political subdivisions	$	13,024	$	77,101	$	7,464	$	—	$	—
	December 31, 2021
Dollars in thousands	AAA		AA		A		BBB		Below Investment Grade
Tax-exempt state and political subdivisions	$	15,450	$	75,119	$	7,491	$	—	$	—

We owned no past due or nonaccrual held to maturity debt securities at March 31, 2022 or December 31, 2021.

17

The maturities, amortized cost and estimated fair values of held to maturity debt securities at March 31, 2022, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	—	$	—
Due from one to five years	—		—
Due from five to ten years	2,858		2,691
Due after ten years	94,731		90,593
Total	$	97,589	$	93,284

There were no proceeds from calls and maturities of debt securities held to maturity for the three months ended March 31, 2022 or for the year ended December 31, 2021.

At March 31, 2022, no allowance for credit losses on debt securities held to maturity has been recognized.

NOTE 6.  LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS

Loans

The following table presents the amortized cost of loans held for investment:

Dollars in thousands	March 31, 2022		December 31, 2021
Commercial	$	447,482	$	365,301
Commercial real estate - owner occupied
Professional & medical	148,502		150,759
Retail	189,003		190,304
Other	153,779		143,645
Commercial real estate - non-owner occupied
Hotels & motels	143,082		128,450
Mini-storage	54,083		59,045
Multifamily	272,113		233,157
Retail	172,598		162,758
Other	268,072		282,621
Construction and development
Land & land development	103,203		100,805
Construction	171,384		146,038
Residential 1-4 family real estate
Personal residence	256,872		262,805
Rental - small loan	118,368		121,989
Rental - large loan	81,443		79,108
Home equity	70,770		72,112
Mortgage warehouse lines	164,896		227,869
Consumer	32,095		31,923
Other
Credit cards	1,991		1,891
Overdrafts	885		811
Total loans, net of unearned fees	2,850,621		2,761,391
Less allowance for credit losses - loans	32,623		32,298
Loans, net	$	2,817,998	$	2,729,093

Accrued interest and fees receivable on loans totaled $6.4 million and $7.2 million at March 31, 2022 and December 31, 2021, respectively and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets.

18

The following table presents the contractual aging of the amortized cost basis of past due loans by class as of March 31, 2022 and December 31, 2021.

	At March 31, 2022
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	395	$	17	$	151	$	563	$	446,919	$	—
Commercial real estate - owner occupied
Professional & medical	46		—		—		46		148,456		—
Retail	—		676		405		1,081		187,922		—
Other	326		—		—		326		153,453		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		143,082		—
Mini-storage	1		—		—		1		54,082		—
Multifamily	—		—		53		53		272,060		—
Retail	65		—		261		326		172,272		—
Other	—		331		—		331		267,741		—
Construction and development
Land & land development	646		—		968		1,614		101,589		—
Construction	—		—		—		—		171,384		—
Residential 1-4 family real estate
Personal residence	2,793		1,089		1,457		5,339		251,533		—
Rental - small loan	569		33		620		1,222		117,146		—
Rental - large loan	—		—		—		—		81,443		—
Home equity	36		42		115		193		70,577		—
Mortgage warehouse lines	—		—		—		—		164,896		—
Consumer	53		17		—		70		32,025		—
Other
Credit cards	16		12		19		47		1,944		19
Overdrafts	—		—		—		—		885		—
Total	$	4,946	$	2,217	$	4,049	$	11,212	$	2,839,409	$	19

19

	At December 31, 2021
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	736	$	15	$	613	$	1,364	$	363,937	$	—
Commercial real estate - owner occupied
Professional & medical	409		—		—		409		150,350		—
Retail	—		405		144		549		189,755		—
Other	208		—		150		358		143,287		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		128,450		—
Mini-storage	2		—		—		2		59,043		—
Multifamily	—		—		55		55		233,102		—
Retail	66		—		338		404		162,354		—
Other	—		—		—		—		282,621		—
Construction and development
Land & land development	38		7		962		1,007		99,798		—
Construction	—		—		—		—		146,038		—
Residential 1-4 family real estate
Personal residence	2,283		1,211		1,384		4,878		257,927		—
Rental - small loan	429		247		1,093		1,769		120,220		—
Rental - large loan	—		—		—		—		79,108		—
Home equity	236		80		175		491		71,621		—
Mortgage warehouse lines	—		—		—		—		227,869		—
Consumer	98		101		7		206		31,717		—
Other
Credit cards	12		10		4		26		1,865		4
Overdrafts	—		—		—		—		811		—
Total	$	4,517	$	2,076	$	4,925	$	11,518	$	2,749,873	$	4

The following table presents the nonaccrual loans included in the net balance of loans at March 31, 2022 and December 31, 2021.

20

	March 31,				December 31,
	2022				2021
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	433	$	105	$	740	$	96
Commercial real estate - owner occupied
Professional & medical	—		—		—		—
Retail	622		—		775		—
Other	337		—		341		—
Commercial real estate - non-owner occupied
Hotels & motels	3,036		3,036		3,085		—
Mini-storage	—		—		—		—
Multifamily	52		—		55		—
Retail	710		—		338		—
Other	8		—		9		—
Construction and development
Land & land development	968		—		1,560		—
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	2,655		—		2,504		—
Rental - small loan	2,779		—		3,094		—
Rental - large loan	—		—		—		—
Home equity	115		—		174		—
Mortgage warehouse lines	—		—		—		—
Consumer	1		—		17		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	11,716	$	3,141	$	12,692	$	96

At March 31, 2022, we had troubled debt restructurings ("TDRs") of $20.8 million, of which $18.6 million were current with respect to restructured contractual payments. At December 31, 2021, our TDRs totaled $20.9 million, of which $18.7 million were current with respect to restructured contractual payments.  There were no commitments to lend additional funds under these restructurings at either balance sheet date.

The following table presents by class the TDRs that were restructured during the three months ended March 31, 2022 and March 31, 2021. Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  TDRs are evaluated individually for allowance for credit loss purposes if the loan balance exceeds $500,000, otherwise, smaller balance TDR loans are included in the pools to determine ACLL.

	For the Three Months Ended   March 31, 2022					For the Three Months Ended   March 31, 2021
Dollars in thousands	Number of Modifications	Pre- modification Recorded Investment		Post- modification Recorded Investment		Number of Modifications		Pre- modification Recorded Investment		Post- modification Recorded Investment
Residential 1-4 family real estate
Personal residence	6	$	335	$	335	—		$	—	$	—
Total	6	$	335	335		$	—	$	—	$	—

21

The following tables present defaults during the stated period of TDRs that were restructured during the prior 12 months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   March 31, 2022			For the Three Months Ended   March 31, 2021
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Residential 1-4 family real estate
Personal residence	4	$	315	1	$	48
Rental - small loan	—	—		1	399
Total	4	$	315	2	$	447

Credit Quality Indicators: We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. We analyze loans individually by classifying the loans as to credit risk.  We internally grade all commercial loans at the time of loan origination. In addition, we perform an annual loan review on all non-homogenous commercial loan relationships with an aggregate exposure of $5.0 million, at which time these loans are re-graded. We use the following definitions for our risk grades:

Pass: Loans graded as Pass are loans to borrowers of acceptable credit quality and risk. They are higher quality loans that do not fit any of the other categories described below.

Special Mention:  Commercial loans categorized as Special Mention are potentially weak. The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the asset may weaken or inadequately protect our position in the future.

Substandard: Commercial loans categorized as Substandard are inadequately protected by the borrower’s ability to repay, equity and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the identified weaknesses are not mitigated.

Doubtful:  Commercial loans categorized as Doubtful have all the weaknesses inherent in those loans classified as Substandard, with the added elements that the full collection of the loan is improbable and the possibility of loss is high.

Loss:  Loans classified as loss are considered to be non-collectible and of such little value that their continuance as a bankable asset is not warranted. This does not mean that the loan has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan, even though partial recovery may be obtained in the future.

Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for purposes of the table below. As of March 31, 2022 and December 31, 2021, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:

	March 31, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	51,438	$	113,621	$	32,878	$	24,917	$	4,735	$	21,969	$	193,884	$	—	$	443,442
	Special Mention	—		923		278		66		37		205		1,954		—		3,463
	Substandard	30		171		31		105		41		11		188		—		577
Total Commercial		51,468		114,715		33,187		25,088		4,813		22,185		196,026		—		447,482
Commercial Real Estate    - Owner Occupied

22

	March 31, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Professional & medical	Pass	2,317	72,236	10,866	6,933	4,439	47,269	2,771	—	146,831
	Special Mention	—	—	1,141	—	—	243	—	—	1,384
	Substandard	—	—	72	—	—	215	—	—	287
Total Professional & Medical		2,317	72,236	12,079	6,933	4,439	47,727	2,771	—	148,502
Retail	Pass	3,474	77,537	29,354	30,578	8,683	33,463	2,641	—	185,730
	Special Mention	—	—	—	—	—	1,328	—	—	1,328
	Substandard	—	—	—	1,323	—	622	—	—	1,945
Total Retail		3,474	77,537	29,354	31,901	8,683	35,413	2,641	—	189,003
Other	Pass	5,738	35,259	34,086	13,047	15,920	44,747	4,009	—	152,806
	Special Mention	—	58	—	—	—	578	—	—	636
	Substandard	—	—	—	—	—	300	37	—	337
Total Other		5,738	35,317	34,086	13,047	15,920	45,625	4,046	—	153,779
Total Commercial Real Estate -    Owner Occupied		11,529	185,090	75,519	51,881	29,042	128,765	9,458	—	491,284
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	24,593	1,726	3,283	32,985	15,874	22,081	2,772	—	103,314
	Special Mention	—	—	—	36,733	—	—	—	—	36,733
	Substandard	—	—	2,787	—	—	248	—	—	3,035
Total Hotels & Motels		24,593	1,726	6,070	69,718	15,874	22,329	2,772	—	143,082
Mini-storage	Pass	958	13,406	8,291	3,987	14,055	13,340	—	—	54,037
	Special Mention	—	—	—	—	—	46	—	—	46
	Substandard	—	—	—	—	—	—	—	—	—
Total Mini-storage		958	13,406	8,291	3,987	14,055	13,386	—	—	54,083
Multifamily	Pass	33,082	60,824	39,668	51,632	23,493	59,332	3,728	—	271,759
	Special Mention	—	—	91	—	—	41	169	—	301
	Substandard	—	—	—	—	—	53	—	—	53
Total Multifamily		33,082	60,824	39,759	51,632	23,493	59,426	3,897	—	272,113
Retail	Pass	18,879	52,270	41,795	13,845	7,502	30,073	6,573	—	170,937
	Special Mention	—	—	—	—	—	951	—	—	951
	Substandard	—	—	—	—	—	710	—	—	710
Total Retail		18,879	52,270	41,795	13,845	7,502	31,734	6,573	—	172,598
Other	Pass	11,369	107,343	64,889	14,145	6,818	57,798	2,227	—	264,589
	Special Mention	—	—	—	—	570	—	—	—	570
	Substandard	—	—	—	—	—	2,913	—	—	2,913
Total Other		11,369	107,343	64,889	14,145	7,388	60,711	2,227	—	268,072
Total Commercial Real Estate -    Non-Owner Occupied		88,881	235,569	160,804	153,327	68,312	187,586	15,469	—	909,948

23

	March 31, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Construction and Development
Land & land development	Pass	10,423	24,715	11,231	20,051	5,379	23,094	5,878	—	100,771
	Special Mention	—	—	153	115	—	576	—	—	844
	Substandard	—	—	—	—	—	1,588	—	—	1,588
Total Land & land development		10,423	24,715	11,384	20,166	5,379	25,258	5,878	—	103,203
Construction	Pass	24,875	67,427	68,031	317	1,394	—	8,841	—	170,885
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	328	171	—	—	499
Total Construction		24,875	67,427	68,031	317	1,722	171	8,841	—	171,384
Total Construction and    Development		35,298	92,142	79,415	20,483	7,101	25,429	14,719	—	274,587
Residential 1-4 Family Real Estate
Personal residence	Pass	9,497	37,446	33,363	17,822	18,050	120,774	—	—	236,952
	Special Mention	1	—	—	182	62	9,825	—	—	10,070
	Substandard	—	—	—	527	843	8,480	—	—	9,850
Total Personal Residence		9,498	37,446	33,363	18,531	18,955	139,079	—	—	256,872
Rental - small loan	Pass	5,795	29,557	13,154	12,975	9,862	36,200	4,483	—	112,026
	Special Mention	—	228	106	—	—	1,482	—	—	1,816
	Substandard	—	—	58	181	406	3,749	132	—	4,526
Total Rental - Small Loan		5,795	29,785	13,318	13,156	10,268	41,431	4,615	—	118,368
Rental - large loan	Pass	4,166	37,401	12,481	5,529	4,373	12,756	1,195	—	77,901
	Special Mention	—	—	—	—	—	28	—	—	28
	Substandard	—	—	—	—	—	3,514	—	—	3,514
Total Rental - Large Loan		4,166	37,401	12,481	5,529	4,373	16,298	1,195	—	81,443
Home equity	Pass	198	117	101	11	27	1,378	66,808	—	68,640
	Special Mention	—	—	—	—	—	92	1,392	—	1,484
	Substandard	—	—	—	—	—	389	257	—	646
Total Home Equity		198	117	101	11	27	1,859	68,457	—	70,770
Total Residential 1-4 Family Real    Estate		19,657	104,749	59,263	37,227	33,623	198,667	74,267	—	527,453
Mortgage warehouse lines	Pass	—	—	—	—	—	—	164,896	—	164,896
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	—	—	—	—	—
Total Mortgage Warehouse Lines		—	—	—	—	—	—	164,896	—	164,896
Consumer	Pass	4,593	12,289	5,218	3,502	1,381	1,971	943	—	29,897
	Special Mention	381	695	368	169	46	129	11	—	1,799

24

	March 31, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
	Substandard	157		110		65		26		8		5		28		—		399
Total Consumer		5,131		13,094		5,651		3,697		1,435		2,105		982		—		32,095
Other
Credit cards	Pass	1,991		—		—		—		—		—		—		—		1,991
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Credit Cards		1,991		—		—		—		—		—		—		—		1,991
Overdrafts	Pass	885		—		—		—		—		—		—		—		885
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Overdrafts		885		—		—		—		—		—		—		—		885
Total Other		2,876		—		—		—		—		—		—		—		2,876
Total		$	214,840	$	745,359	$	413,839	$	291,703	$	144,326	$	564,737	$	475,817	$	—	$	2,850,621

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	123,890	$	36,339	$	31,116	$	5,549	$	8,831	$	14,061	$	141,003	$	—	$	360,789
	Special Mention	693		279		69		41		60		539		1,984		—		3,665
	Substandard	135		45		110		48		18		7		484		—		847
Total Commercial		124,718		36,663		31,295		5,638		8,909		14,607		143,471		—		365,301
Commercial Real Estate    - Owner Occupied
Professional & medical	Pass	72,417		11,869		7,046		4,595		22,939		27,905		2,366		—		149,137
	Special Mention	—		1,146		—		—		—		187		—		—		1,333
	Substandard	—		72		—		—		217		—		—		—		289
Total Professional & Medical		72,417		13,087		7,046		4,595		23,156		28,092		2,366		—		150,759
Retail	Pass	78,780		29,749		33,114		8,813		9,318		25,296		2,464		—		187,534
	Special Mention	—		—		—		—		—		671		—		—		671
	Substandard	—		—		1,324		—		549		226		—		—		2,099
Total Retail		78,780		29,749		34,438		8,813		9,867		26,193		2,464		—		190,304
Other	Pass	32,805		30,897		13,216		16,716		7,501		38,796		2,782		—		142,713
	Special Mention	59		—		—		—		—		532		—		—		591
	Substandard	—		—		—		—		—		303		38		—		341
Total Other		32,864		30,897		13,216		16,716		7,501		39,631		2,820		—		143,645
Total Commercial Real Estate -    Owner Occupied		184,061		73,733		54,700		30,124		40,524		93,916		7,650		—		484,708

25

	December 31, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	1,736	3,313	32,634	15,949	6,953	20,308	7,531	—	88,424
	Special Mention	—	—	36,941	—	—	—	—	—	36,941
	Substandard	—	2,830	—	—	—	255	—	—	3,085
Total Hotels & Motels		1,736	6,143	69,575	15,949	6,953	20,563	7,531	—	128,450
Mini-storage	Pass	13,294	7,641	9,218	14,209	4,506	10,109	21	—	58,998
	Special Mention	—	—	—	—	—	47	—	—	47
	Substandard	—	—	—	—	—	—	—	—	—
Total Mini-storage		13,294	7,641	9,218	14,209	4,506	10,156	21	—	59,045
Multifamily	Pass	55,367	39,105	45,016	23,665	14,629	51,155	3,372	—	232,309
	Special Mention	—	582	—	—	—	43	169	—	794
	Substandard	—	—	—	—	—	54	—	—	54
Total Multifamily		55,367	39,687	45,016	23,665	14,629	51,252	3,541	—	233,157
Retail	Pass	52,533	42,177	20,763	7,653	6,778	24,958	6,586	—	161,448
	Special Mention	—	—	—	—	—	972	—	—	972
	Substandard	—	—	—	—	—	338	—	—	338
Total Retail		52,533	42,177	20,763	7,653	6,778	26,268	6,586	—	162,758
Other	Pass	107,962	82,846	14,211	8,443	11,421	51,587	2,620	—	279,090
	Special Mention	—	—	—	572	—	—	—	—	572
	Substandard	—	—	—	—	—	2,959	—	—	2,959
Total Other		107,962	82,846	14,211	9,015	11,421	54,546	2,620	—	282,621
Total Commercial Real Estate -    Non-Owner Occupied		230,892	178,494	158,783	70,491	44,287	162,785	20,299	—	866,031
Construction and Development
Land & land development	Pass	26,671	14,050	20,275	5,627	2,927	21,875	6,721	—	98,146
	Special Mention	—	155	117	—	—	591	—	—	863
	Substandard	—	—	—	—	—	1,796	—	—	1,796
Total Land & land development		26,671	14,205	20,392	5,627	2,927	24,262	6,721	—	100,805
Construction	Pass	64,352	64,022	7,438	1,407	—	—	8,320	—	145,539
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	329	—	170	—	—	499
Total Construction		64,352	64,022	7,438	1,736	—	170	8,320	—	146,038
Total Construction and    Development		91,023	78,227	27,830	7,363	2,927	24,432	15,041	—	246,843
Residential 1-4 Family Real Estate

26

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Personal residence	Pass	39,637		34,962		18,974		18,784		14,597		115,384		—		—		242,338
	Special Mention	—		—		184		62		534		10,377		—		—		11,157
	Substandard	—		—		475		847		456		7,532		—		—		9,310
Total Personal Residence		39,637		34,962		19,633		19,693		15,587		133,293		—		—		262,805
Rental - small loan	Pass	30,342		13,990		14,093		11,524		6,567		33,936		4,630		—		115,082
	Special Mention	229		107		57		250		1		1,579		9		—		2,232
	Substandard	—		132		133		374		513		3,388		135		—		4,675
Total Rental - Small Loan		30,571		14,229		14,283		12,148		7,081		38,903		4,774		—		121,989
Rental - large loan	Pass	34,558		14,069		5,971		5,283		2,790		11,776		1,078		—		75,525
	Special Mention	—		—		—		—		—		29		—		—		29
	Substandard	—		—		—		—		—		3,554		—		—		3,554
Total Rental - Large Loan		34,558		14,069		5,971		5,283		2,790		15,359		1,078		—		79,108
Home equity	Pass	27		115		11		50		78		1,380		68,293		—		69,954
	Special Mention	—		—		—		—		—		94		1,399		—		1,493
	Substandard	—		—		—		—		—		407		258		—		665
Total Home Equity		27		115		11		50		78		1,881		69,950		—		72,112
Total Residential 1-4 Family Real    Estate		104,793		63,375		39,898		37,174		25,536		189,436		75,802		—		536,014
Mortgage warehouse lines	Pass	—		—		—		—		—		—		227,869		—		227,869
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Mortgage Warehouse Lines		—		—		—		—		—		—		227,869		—		227,869
Consumer	Pass	14,134		6,333		4,444		1,767		540		1,691		902		—		29,811
	Special Mention	904		381		210		66		87		53		11		—		1,712
	Substandard	199		96		40		11		3		22		29		—		400
Total Consumer		15,237		6,810		4,694		1,844		630		1,766		942		—		31,923
Other
Credit cards	Pass	1,891		—		—		—		—		—		—		—		1,891
Total Credit Cards		1,891		—		—		—		—		—		—		—		1,891
Overdrafts	Pass	811		—		—		—		—		—		—		—		811
Total Overdrafts		811		—		—		—		—		—		—		—		811
Total Other		2,702		—		—		—		—		—		—		—		2,702
Total		$	753,426	$	437,302	$	317,200	$	152,634	$	122,813	$	486,942	$	491,074	$	—	$	2,761,391

27

Allowance for Credit Losses - Loans

The following tables presents the activity in the ACLL by portfolio segment during the three months ended March 31, 2022 and the twelve months ended December 31, 2021:

	For the Three Months Ended March 31, 2022
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	3,218	$	992	$	(202)	$	3	$	4,011
Commercial real estate - owner occupied
Professional & medical	1,092		59		—		—		1,151
Retail	1,362		(28)		—		—		1,334
Other	575		(180)		—		—		395
Commercial real estate - non-owner occupied
Hotels & motels	2,532		(1,332)		—		—		1,200
Mini-storage	133		(13)		—		—		120
Multifamily	1,821		236		—		1		2,058
Retail	1,074		476		—		—		1,550
Other	1,820		135		—		3		1,958
Construction and development
Land & land development	3,468		(16)		—		4		3,456
Construction	6,346		1,032		—		—		7,378
Residential 1-4 family real estate
Personal residence	2,765		(36)		(53)		20		2,696
Rental - small loan	2,834		(469)		(83)		8		2,290
Rental - large loan	2,374		(181)		—		—		2,193
Home equity	497		(51)		(8)		4		442
Mortgage warehouse lines	—		—		—		—		—
Consumer	163		14		(55)		25		147
Other
Credit cards	17		(1)		—		2		18
Overdrafts	207		196		(216)		39		226
Total	$	32,298	$	833	$	(617)	$	109	$	32,623

28

	For the Twelve Months Ended December 31, 2021
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	2,304	$	1,112	$	—	$	(222)	$	24	$	3,218
Commercial real estate - owner occupied
Professional & medical	954		71		71		(4)		—		1,092
Retail	3,173		(1,812)		—		—		1		1,362
Other	610		(35)		—		—		—		575
Commercial real estate - non-owner occupied
Hotels & motels	2,135		397		—		—		—		2,532
Mini-storage	337		(204)		—		—		—		133
Multifamily	1,547		265		—		—		9		1,821
Retail	981		93		—		—		—		1,074
Other	1,104		947		—		(233)		2		1,820
Construction and development
Land & land development	4,084		(628)		—		—		12		3,468
Construction	4,648		1,698		—		—		—		6,346
Residential 1-4 family real estate
Personal residence	3,559		(548)		—		(365)		119		2,765
Rental - small loan	2,736		177		20		(189)		90		2,834
Rental - large loan	3,007		(633)		—		—		—		2,374
Home equity	713		(206)		—		(26)		16		497
Mortgage warehouse lines	—		—		—		—		—		—
Consumer	216		(44)		—		(131)		122		163
Other
Credit cards	17		10		—		(16)		6		17
Overdrafts	121		255		—		(321)		152		207
Total	$	32,246	$	915	$	91	$	(1,507)	$	553	$	32,298

29

The following tables presents, as of March 31, 2022 and December 31, 2021 segregated by loan portfolio segment, details of the loan portfolio and the ACLL calculated in accordance with our credit loss accounting methodology for loans described above.

	March 31, 2022
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	168	$	447,314	$	447,482	$	—	$	4,011	$	4,011
Commercial real estate - owner occupied
Professional & medical	2,050		146,452		148,502		235		916		1,151
Retail	5,569		183,434		189,003		—		1,334		1,334
Other	—		153,779		153,779		—		395		395
Commercial real estate - non-owner occupied
Hotels & motels	3,036		140,046		143,082		—		1,200		1,200
Mini-storage	—		54,083		54,083		—		120		120
Multifamily	—		272,113		272,113		—		2,058		2,058
Retail	3,109		169,489		172,598		105		1,445		1,550
Other	5,663		262,409		268,072		308		1,650		1,958
Construction and development
Land & land development	1,540		101,663		103,203		613		2,843		3,456
Construction	—		171,384		171,384		—		7,378		7,378
Residential 1-4 family real estate
Personal residence	—		256,872		256,872		—		2,696		2,696
Rental - small loan	1,444		116,924		118,368		417		1,873		2,290
Rental - large loan	3,129		78,314		81,443		—		2,193		2,193
Home equity	473		70,297		70,770		—		442		442
Mortgage warehouse lines	—		164,896		164,896		—		—		—
Consumer	3		32,092		32,095		—		147		147
Other
Credit cards	—		1,991		1,991		—		18		18
Overdrafts	—		885		885		—		226		226
Total	$	26,184	$	2,824,437	$	2,850,621	$	1,678	$	30,945	$	32,623

(1) Included in the loans collectively evaluated are $15.1 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

30

	December 31, 2021
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	177	$	365,124	$	365,301	$	—	$	3,218	$	3,218
Commercial real estate - owner occupied
Professional & medical	2,073		148,686		150,759		199		893		1,092
Retail	5,559		184,745		190,304		—		1,362		1,362
Other	—		143,645		143,645		—		575		575
Commercial real estate - non-owner occupied
Hotels & motels	3,085		125,365		128,450		669		1,863		2,532
Mini-storage	1,058		57,987		59,045		—		133		133
Multifamily	—		233,157		233,157		—		1,821		1,821
Retail	2,693		160,065		162,758		—		1,074		1,074
Other	5,726		276,895		282,621		69		1,751		1,820
Construction and development
Land & land development	2,004		98,801		100,805		723		2,745		3,468
Construction	—		146,038		146,038		—		6,346		6,346
Residential 1-4 family real estate
Personal residence	—		262,805		262,805		—		2,765		2,765
Rental - small loan	1,463		120,526		121,989		436		2,398		2,834
Rental - large loan	3,162		75,946		79,108		—		2,374		2,374
Home equity	523		71,589		72,112		—		497		497
Mortgage warehouse lines	—		227,869		227,869		—		—		—
Consumer	—		31,923		31,923		—		163		163
Other
Credit cards	—		1,891		1,891		—		17		17
Overdrafts	—		811		811		—		207		207
Total	$	27,523	$	2,733,868	$	2,761,391	$	2,096	$	30,202	$	32,298

(1) Included in the loans collectively evaluated are $19.8 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACLL allocated to those loans:

31

	March 31, 2022
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	168	$	168	$	—
Commercial real estate - owner occupied
Professional & medical	2,050		—		2,050		235
Retail	5,569		—		5,569		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,036		—		3,036		—
Mini-storage	—		—		—		—
Multifamily	—		—		—		—
Retail	3,109		—		3,109		105
Other	5,663		—		5,663		308
Construction and development
Land & land development	1,540		—		1,540		613
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,444		—		1,444		417
Rental - large loan	3,129		—		3,129		—
Home equity	473		—		473		—
Consumer	—		3		3		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	26,013	$	171	$	26,184	$	1,678

	December 31, 2021
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	177	$	177	$	—
Commercial real estate - owner occupied
Professional & medical	2,073		—		2,073		199
Retail	5,559		—		5,559		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,085		—		3,085		669
Mini-storage	1,058		—		1,058		—
Multifamily	—		—		—		—
Retail	2,693		—		2,693		—
Other	5,726		—		5,726		69
Construction and development
Land & land development	2,004		—		2,004		723
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,463		—		1,463		436
Rental - large loan	3,162		—		3,162		—
Home equity	523		—		523		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	27,346	$	177	$	27,523	$	2,096

32

NOTE 7.  GOODWILL AND OTHER INTANGIBLE ASSETS

The following tables present our goodwill activity for the quarter ending March 31, 2022 and the balance of other intangible assets at March 31, 2022 and December 31, 2021.

Dollars in thousands	Goodwill Activity
Balance, January 1, 2022	$	55,347
Reclassifications from goodwill	—
Acquired goodwill	—
Balance, March 31, 2022	$	55,347

	Other Intangible Assets
Dollars in thousands	March 31, 2022		December 31, 2021
Identifiable intangible assets
Gross carrying amount	$	15,828	$	15,828
Less: accumulated amortization	7,963		7,585
Net carrying amount	$	7,865	$	8,243

We recorded amortization expense of $378,000 for the three months ended March 31, 2022 and $405,000 for the three months ended March 31, 2021, relative to our identifiable intangible assets.  

Amortization relative to our identifiable intangible assets is expected to approximate the following during the next five years and thereafter:

	Core Deposit
Dollars in thousands	Intangible
Nine month period ending December 31, 2022	$	1,063
Year ending December 31, 2023	1,299
Year ending December 31, 2024	1,158
Year ending December 31, 2025	1,019
Year ending December 31, 2026	878
Thereafter	2,378

NOTE 8.  DEPOSITS

The following is a summary of interest bearing deposits by type as of March 31, 2022 and December 31, 2021:

Dollars in thousands	March 31, 2022		December 31, 2021
Demand deposits, interest bearing	$	1,134,964	$	1,127,298
Savings deposits	702,069		698,156
Time deposits	542,028		548,649
Total	$	2,379,061	$	2,374,103

Included in time deposits are deposits acquired through a third party (“brokered deposits”) totaling $32.8 million and $14.7 million at March 31, 2022 and December 31, 2021, respectively.

A summary of the scheduled maturities for all time deposits as of March 31, 2022 is as follows:

Dollars in thousands
Nine month period ending December 31, 2022	$	309,079
Year ending December 31, 2023	131,634
Year ending December 31, 2024	44,519
Year ending December 31, 2025	30,725
Year ending December 31, 2026	15,514
Thereafter	10,557
Total	$	542,028

33

The aggregate amount of time deposits in denominations that meet or exceed the FDIC insurance limit of $250,000 totaled $116.2 million at March 31, 2022 and $98.9 million at December 31, 2021.

NOTE 9.  BORROWED FUNDS

Short-term borrowings:    Federal funds purchased mature the next business day and totaled $146,000 at March 31, 2022 and December 31, 2021. A summary of short-term FHLB advancecs is presented below:

	Three Months Ended March 31,
	2022			2021
Dollars in thousands	Short-term FHLB Advances
Balance at March 31	$	140,000		$	140,000
Average balance outstanding for the period	140,084			140,000
Maximum balance outstanding at any month end during period	140,000			140,000
Weighted average interest rate for the period	0.41		%	0.37		%
Weighted average interest rate for balances
outstanding at March 31	0.47		%	0.38		%

	Year Ended December 31, 2021
Dollars in thousands	Short-term FHLB Advances
Balance at December 31	$	140,000
Average balance outstanding for the period	140,000
Maximum balance outstanding at any month end     during period	140,000
Weighted average interest rate for the period	0.33		%
Weighted average interest rate for balances
outstanding at December 31	0.26		%

Long-term borrowings:  Our long-term borrowings of $674,000 and $679,000 at March 31, 2022 and December 31, 2021, respectively, consisted of a 5.34% fixed rate advance from the Federal Home Loan Bank (“FHLB”), maturing in 2026. This FHLB advance is collateralized by a blanket lien of $1.68 billion of residential mortgage loans, certain commercial loans, mortgage backed securities and securities of U.S. Government agencies and corporations.

Subordinated debentures: We issued $75 million of subordinated debentures, net of $1.67 million debt issuance costs, during fourth quarter 2021 in a private placement transaction, which had a net balance of $73.5 million at March 31, 2022 and $73.4 million at December 31, 2021. The subordinated debt qualifies as Tier 2 capital under Federal Reserve Board guidelines, until the debt is within 5 years of its maturity; thereafter the amount qualifying as Tier 2 capital is reduced by 20 percent each year until maturity. This subordinated debt bears interest at a fixed rate of 3.25% per year, from and including November 16, 2021 to, but excluding, December 1, 2026, payable semi-annually in arrears. From and including December 1, 2026 to, but excluding, the maturity date or earlier redemption date, the interest rate will reset quarterly at a variable rate equal to the then current three-month term Secured Overnight Financing Rate (“SOFR”), as published by the Federal Reserve Bank of New York, plus 230 basis points, payable quarterly in arrears. This debt has a 10 years term and generally, is not prepayable by us within the first five years.

We issued $30 million of subordinated debentures, net of $664,000 debt issuance costs, during third quarter 2020 in a private placement transaction, which had a net balance of $29.5 million at March 31, 2022 and December 31, 2021. The subordinated debt qualifies as Tier 2 capital under Federal Reserve Board guidelines, until the debt is within 5 years of its maturity; thereafter the amount qualifying as Tier 2 capital is reduced by 20 percent each year until maturity. This subordinated debt bears interest at a fixed rate of 5.00% per year, from and including September 22, 2020 to, but excluding, September 30, 2025, payable quarterly in arrears. From and including September 30, 2025 to, but excluding, the maturity date or earlier redemption date, the interest rate will reset quarterly at a variable rate equal to the then current three-month term Secured Overnight Financing Rate (“SOFR”), as published by the Federal Reserve Bank of New York, plus 487 basis points, payable quarterly in arrears. This debt has a 10 years term and generally, is not prepayable by us within the first five years.

34

Subordinated debentures owed to unconsolidated subsidiary trusts:  We have three statutory business trusts that were formed for the purpose of issuing mandatorily redeemable securities (the “capital securities”) for which we are obligated to third party investors and investing the proceeds from the sale of the capital securities in our junior subordinated debentures (the “debentures”).  The debentures held by the trusts are their sole assets.  These subordinated debentures totaled $19.6 million at March 31, 2022 and December 31, 2021.

The capital securities held by SFG Capital Trust I, SFG Capital Trust II, and SFG Capital Trust III qualify as Tier 1 capital under Federal Reserve Board guidelines.  In accordance with these Guidelines, trust preferred securities generally are limited to 25% of Tier 1 capital elements, net of goodwill.  The amount of trust preferred securities and certain other elements in excess of the limit can be included in Tier 2 capital.

A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:

Dollars in thousands		Long-term borrowings		Subordinated debentures		Subordinated debentures owed to unconsolidated subsidiary trusts
Year Ending December 31,	2022	$	16	$	—	$	—
	2023	22		—		—
	2024	23		—		—
	2025	24		—		—
	2026	589		—		—
	Thereafter	—		105,000		19,589
		$	674	$	105,000	$	19,589

NOTE 10.  SHARE-BASED COMPENSATION

Under the 2014 Long-Term Incentive Plan (“2014 LTIP”), stock options, SARs and RSUs have generally been granted with an exercise price equal to the fair value of Summit's common stock on the grant date. We periodically grant employee stock options to individual employees.

The fair value of our employee stock options and SARs granted under the Plans is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options and SARs granted but are not considered by the model. Because our employee stock options and SARs have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options and SARs at the time of grant. 

There were no grants of SARs or stock options during first quarter 2022. During third quarter 2021, we granted 54,947 SARs with a $9.44 grant date fair value per SAR that become exercisable ratably over seven years (14.3% per year) and expire ten years after the grant date. Also during 2021, we granted 122,542 SARs with an $9.34 grant date fair value per SAR that become exercisable ratably over five years (20% per year) and expire ten years after the grant date.

The fair value of our employee stock options and SARs granted under the Plans is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options and SARs granted but are not considered by the model. Because our employee stock options and SARs have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options and SARs at the time of grant. The assumptions used to value SARs granted in 2021 are as follows:

35

	2021 grant with 7 year expiration		2021 grant with 5 year expiration
Risk-free interest rate	1.06	%	0.74	%
Expected dividend yield	3.00	%	3.00	%
Expected common stock volatility	55.59	%	55.59	%
Expected life	7 years		5.5 years

A summary of our SAR and stock option activity during the first three months of 2022 and 2021 is as follows:

	For the Three Months Ended March 31,
	2022
	Options/SARs	Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	491,792				$	21.32
Granted	—				—
Exercised	(700)				12.01
Forfeited	—				—
Expired	—				—
Outstanding, March 31	491,092	$	—	6.78	$	21.33
Exercisable, March 31	244,557	$	1,363	4.92	$	20.15

	For the Three Months Ended March 31,
	2021
	Options/SARs	Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	329,203				$	20.47
Granted	—				—
Exercised	(800)				12.01
Forfeited	—				—
Expired	—				—
Outstanding, March 31	328,403	$	1,989	6.10	$	20.49
Exercisable, March 31	218,216	$	1,751	5.43	$	18.53

Grants of RSUs include time-based vesting conditions that generally vest ratably over a period of 3 to 5 years.

	RSUs	Weighted Average Grant Date Fair Value
Nonvested, December 31, 2021	13,015	$	21.24
Granted	—	—
Forfeited	—	—
Vested	(1,846)	27.09
Nonvested, March 31, 2022	11,169	$	20.28

36

	RSUs	Weighted Average Grant Date Fair Value
Nonvested, December 31, 2020	15,686	$	20.40
Granted	—	—
Forfeited	—	—
Vested	—	—
Nonvested, March 31, 2021	15,686	$	20.40

We recognize compensation expense based on the estimated number of stock awards expected to actually vest, exclusive of the awards expected to be forfeited.  During the first three months of 2022 and 2021, total stock compensation expense for all share-based arrangements was $169,000 and $126,000 and the related deferred tax benefits were approximately $41,000 and $30,000. At March 31, 2022 our total unrecognized compensation expense related to all nonvested awards not yet recognized totaled $2.18 million and on a weighted average basis, will be recognized over the next 2.31 years.

NOTE 11.  COMMITMENTS AND CONTINGENCIES

Off-Balance Sheet Arrangements

We are a party to certain financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the statement of financial position.  The contract amounts of these instruments reflect the extent of involvement that we have in this class of financial instruments.

Many of our lending relationships contain both funded and unfunded elements.  The funded portion is reflected on our balance sheet.  The unfunded portion of these commitments is not recorded on our balance sheet until a draw is made under the loan facility.  Since many of the commitments to extend credit may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements.

A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:

Dollars in thousands	March 31, 2022
Commitments to extend credit:
Revolving home equity and credit card lines	$	99,419
Construction loans	296,068
Other loans	422,148
Standby letters of credit	23,070
Total	$	840,705

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  We evaluate each customer's credit worthiness on a case-by-case basis.  The amount of collateral obtained, if we deem necessary upon extension of credit, is based on our credit evaluation.  Collateral held varies but may include accounts receivable, inventory, equipment or real estate.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party.

Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments.  We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

37

Allowance For Credit Losses - Off-Balance-Sheet Credit Exposures

The provision for credit losses on unfunded commitments was $1.12 million and $(485,000) for the three months ended March 31, 2022 and 2021. The ACL on off-balance-sheet credit exposures totaled $8.39 million at March 31, 2022 compared to $7.28 million at December 31, 2021 and is included in other liabilities on the accompanying consolidated balance sheets.

Litigation

We are not a party to litigation except for matters that arise in the normal course of business.  While it is impossible to ascertain the ultimate resolution or range of financial liability, if any, with respect to these contingent matters, in the opinion of management, after consultation with legal counsel, the outcome of these matters will not have a significant adverse effect on the consolidated financial statements.

NOTE 12. PREFERRED STOCK

In April 2021, we sold through a private placement 1,500 shares or $15.0 million of Series 2021 6% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, $1.00 par value, with a liquidation preference of $10,000 per share (the “Preferred Stock”). The Preferred Stock is non-convertible and will pay noncumulative dividends, if and when declared by the Summit board of directors, at a rate of 6.0% per annum. Dividends declared will be payable quarterly in arrears on the 15th day of March, June, September and December of each year.

NOTE 13.  REGULATORY MATTERS

Our bank subsidiary, Summit Community Bank, Inc. (“Summit Community”), is subject to various regulatory capital requirements administered by the banking regulatory agencies. Under the capital adequacy guidelines and the regulatory framework for prompt corrective action, Summit Community must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.  Our bank subsidiary’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require Summit Community to maintain minimum amounts and ratios of Common Equity Tier 1("CET1"), Total capital and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).  We believe, as of March 31, 2022, that our bank subsidiary met all capital adequacy requirements to which they were subject.

The most recent notifications from the banking regulatory agencies categorized Summit Community as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized, Summit Community must maintain minimum CET1, Total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.

In December 2018, the federal bank regulatory agencies approved a final rule modifying their regulatory capital rules to provide an option to phase-in over a period of three years the day-one regulatory capital effects of the implementation of ASC 326. In March 2020, those agencies approved a final rule providing an option to delay the estimated impact on regulatory capital. We elected this optional phase-in period upon adoption of ASC 326 on January 1, 2020 and elected to delay the estimated impact. The initial impact of adoption as well as 25% of the quarterly increases in the allowance for credit losses subsequent to adoption (collectively the “transition adjustments”) will be delayed for two years. After two years, the cumulative amount of the transition adjustments will become fixed and will be phased out of the regulatory capital calculations evenly over a three year period, with 75% recognized in year three, 50% recognized in year four, and 25% recognized in year five. After five years, the temporary regulatory capital benefits will be fully reversed.

The following tables present Summit's, as well as Summit Community's, actual and required minimum regulatory capital amounts and ratios as of March 31, 2022 and December 31, 2021.

Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended.

38

	Actual				Minimum Required Capital - Basel III				Minimum Required To Be Well Capitalized
Dollars in thousands	Amount		Ratio		Amount		Ratio		Amount	Ratio
As of March 31, 2022
CET1 (to risk weighted assets)
Summit	$	264,327	8.2	%	$	225,645	7.0		N/A	N/A
Summit Community	370,527		11.6	%	223,594		7.0	%	207,623	6.5	%
Tier I Capital (to risk weighted assets)
Summit	298,247		9.3	%	272,591		8.5		N/A	N/A
Summit Community	370,527		11.6	%	271,507		8.5	%	255,536	8.0	%
Total Capital (to risk weighted assets)
Summit	432,110		13.5	%	336,086		10.5		N/A	N/A
Summit Community	401,393		12.5	%	337,170		10.5	%	321,114	10.0	%
Tier I Capital (to average assets)
Summit	298,247		8.4	%	142,022		4.0		N/A	N/A
Summit Community	370,527		10.5	%	141,153		4.0	%	176,441	5.0	%

	Actual			Minimum Required Capital - Basel III			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount	Ratio		Amount	Ratio		Amount	Ratio
As of December 31, 2021
CET1 (to risk weighted assets)
Summit	257,122	8.4	%	214,268	7.0	%	N/A	N/A
Summit Community	364,125	11.9	%	214,191	7.0	%	198,892	6.5	%
Tier I Capital (to risk weighted assets)
Summit	291,042	9.5	%	260,406	8.5	%	N/A	N/A
Summit Community	364,125	11.9	%	260,089	8.5	%	244,790	8.0	%
Total Capital (to risk weighted assets)
Summit	420,045	13.8	%	319,599	10.5	%	N/A	N/A
Summit Community	390,236	12.8	%	320,115	10.5	%	304,872	10.0	%
Tier I Capital (to average assets)
Summit	291,042	8.3	%	140,261	4.0	%	N/A	N/A
Summit Community	364,125	10.4	%	140,048	4.0	%	175,060	5.0	%

NOTE  14.  DERIVATIVE FINANCIAL INSTRUMENTS

Cash flow hedges

We have entered into two pay-fixed/receive LIBOR interest rate swaps as follows:

•A $20 million notional interest rate swap with an effective date of October 18, 2021 and expiring on October 18, 2023, was designated as a cash flow hedge of $20 million of variable rate Federal Home Loan Bank advances. Under the terms of this swap we will pay a fixed rate of 1.07% and receive a variable rate equal to three month LIBOR.

•A $20 million notional interest rate swap with an effective date of October 18, 2021 and expiring on October 18, 2024, was designated as a cash flow hedge of $20 million of variable rate Federal Home Loan Bank advances. Under the terms of this swap we will pay a fixed rate of 1.1055% and receive a variable rate equal to three month LIBOR.

In addition, we have entered into two interest rate caps as follows:

•A $100 million notional interest rate cap with an effective date of July 20, 2020 and expiring on April 18, 2030, was designated as a cash flow hedge of $100 million of fixed rate Federal Home Loan Bank advances. Under the terms of this cap we will hedge the variability of cash flows when three month LIBOR is above .75%.

•A $100 million notional interest rate cap with an effective date of December 29, 2020 and expiring on December 18, 2025, was designated as a cash flow hedge of $100 million of certain indexed interest bearing demand deposit accounts. Under the terms of this cap we will hedge the variability of cash flows when the indexed rate of SOFR is above 0.50%.

39

Fair value hedges

We have entered into two pay fixed/receive variable interest rate swaps to hedge fair value variability of two commercial fixed rate loans with the same principal, amortization, and maturity terms of the underlying loans, which are designated as fair value hedges with a total original notional amount of $21.3 million.

We have also entered into a pay fixed/receive variable interest rate swap to hedge the fair value variability of certain available for sale taxable muncipal securities, which is designated as a fair value hedge with a total original notional amount of $71.2 million.

A summary of our derivative financial instruments as of March 31, 2022 and December 31, 2021 follows:

	March 31, 2022
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	40,000	$	1,078	$	—	$	—
Interest rate cap hedging:
Short term borrowings	$	100,000	$	14,244	$	—	$	—
Indexed interest bearing demand deposit accounts	100,000		6,709		—		—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	17,383	$	235	$	—	$	—
Available for sale taxable municipal securities	71,245		2,189		—		(6)

	December 31, 2021
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	40,000	$	—	$	83	$	—
Interest rate cap hedging:
Short term borrowings	$	100,000	$	8,336	$	—	$	—
Indexed interest bearing demand deposit accounts	100,000		2,851		—		—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	17,548	$	—	$	512	$	—
Available for sale taxable municipal securities	71,245		—		529		22

Loan commitments:  ASC Topic 815, Derivatives and Hedging, requires that commitments to make mortgage loans should be accounted for as derivatives if the loans are to be held for sale, because the commitment represents a written option and accordingly is recorded at the fair value of the option liability.

40

NOTE 15. ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME

The following is changes in accumulated other comprehensive (loss) income by component, net of tax, for the three months ending March 31, 2022 and 2021.

	For the Three Months Ended March 31, 2022
Dollars in thousands	Gains and Losses on Pension Plan		Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges		Unrealized Gains/Losses on Debt Securities Available for Sale		Unrealized Gains on Securities Fair Value Hedge		Total
Beginning balance	$	30	$	9	$	3,993	$	1,868	$	(418)	$	5,482
Other comprehensive (loss) income before reclassification	—		—		8,461		(17,202)		2,070		(6,671)
Amounts reclassified from accumulated other comprehensive income, net of tax	—		—		—		116		—		116
Net current period other comprehensive (loss) income	—		—		8,461		(17,086)		2,070		(6,555)
Ending balance	$	30	$	9	$	12,454	$	(15,218)	$	1,652	$	(1,073)

	For the Three Months Ended March 31, 2021
Dollars in thousands	Gains and Losses on Pension Plan		Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges		Unrealized Gains/Losses on Debt Securities Available for Sale		Total
Beginning balance	$	(199)	$	(40)	$	(1,132)	$	6,816	$	5,445
Other comprehensive income (loss) before reclassification	—		—		6,090		(2,355)		3,735
Amounts reclassified from accumulated other comprehensive income, net of tax	—		—		—		(362)		(362)
Net current period other comprehensive income (loss)	—		—		6,090		(2,717)		3,373
Ending balance	$	(199)	$	(40)	$	4,958	$	4,099	$	8,818

NOTE 16. INCOME TAXES

Our income tax expense for the three ended March 31, 2022 and March 31, 2021 totaled $3.3 million and $2.9 million, respectively. Our effective tax rate (income tax expense as a percentage of income before taxes) for the three months ended March 31, 2022 and 2021 was 21.8% and 22.1% respectively. A reconciliation between the statutory income tax rate and our effective income tax rate for the three and nine months ended March 31, 2022 and 2021 is as follows:

	For the Three Months Ended March 31,
	2022		2021
	Percent		Percent
Applicable statutory rate	21.0	%	21.0	%
Increase (decrease) in rate resulting from:
Tax-exempt interest and dividends, net	(1.4)	%	(1.6)	%
State income taxes, net of Federal income tax benefit	1.9	%	2.2	%
Low-income housing and rehabilitation tax credits	(0.2)	%	(0.3)	%
Other, net	0.5	%	0.8	%
Effective income tax rate	21.8	%	22.1	%

41

The components of applicable income tax expense for the three months ended March 31, 2022 and 2021 are as follows:

	For the Three Months Ended March 31,
Dollars in thousands	2022		2021
Current
Federal	$	2,326	$	2,675
State	270		385
	2,596		3,060
Deferred
Federal	578		(111)
State	83		(16)
	661		(127)
Total	$	3,257	$	2,933

NOTE 17. REVENUE FROM CONTRACTS WITH CUSTOMERS

Interest income, loan fees, realized securities gains and losses, bank owned life insurance income and mortgage banking revenue are not in the scope of ASC Topic 606, Revenue from Contracts with Customers. With the exception of gains or losses on sales of foreclosed properties, all of our revenue from contracts with customers in the scope of ASC 606 is recognized within Noninterest Income in the Consolidated Statements of Income. Incremental costs of obtaining a contract are expensed when incurred when the amortization period is one year or less.

The following table illustrates our total non-interest income segregated by revenues within the scope of ASC Topic 606 and those which are within the scope of other ASC Topics: 

	Three Months Ended March 31,
Dollars in thousands	2022		2021
Service fees on deposit accounts	$	1,401	$	1,100
Bank card revenue	1,491		1,341
Trust and wealth management fees	757		638
Other	101		149
Net revenue from contracts with customers	3,750		3,228
Non-interest income within the scope of other ASC topics	795		1,746
Total noninterest income	$	4,545	$	4,974

42

Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

INTRODUCTION

The following discussion and analysis focuses on significant changes in our financial condition and results of operations of Summit Financial Group, Inc. (“Company” or “Summit”) and its operating subsidiary, Summit Community Bank (“Summit Community”), for the periods indicated.   This discussion and analysis should be read in conjunction with our 2021 audited consolidated financial statements and Annual Report on Form 10-K.

The Private Securities Litigation Act of 1995 indicates that the disclosure of forward-looking information is desirable for investors and encourages such disclosure by providing a safe harbor for forward-looking statements by us.  This Quarterly Report on Form 10-Q contains comments or information that constitute forward-looking statements (within the meaning of the Private Securities Litigation Act of 1995) that are based on current expectations that involve a number of risks and uncertainties. Words such as “expects”, “anticipates”, “believes”, “estimates” and other similar expressions or future or conditional verbs such as “will”, “should”, “would” and “could” are intended to identify such forward-looking statements.

Although we believe the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially. Factors that might cause such a difference include: the effect of the COVID-19 crisis, including the negative impacts and disruptions on the communities we serve, and the domestic and global economy, which may have an adverse effect on our business; current and future economic and market conditions, including the effects of declines in housing prices, high unemployment rates, U.S. fiscal debt, budget and tax matters, geopolitical matters, and any slowdown in global economic growth; fiscal and monetary policies of the Federal Reserve; future provisions for credit losses on loans and debt securities; changes in nonperforming assets; changes in interest rates and interest rate relationships; demand for products and services; the degree of competition by traditional and non-traditional competitors; the successful integration of operations of our acquisitions; changes in banking laws and regulations; changes in tax laws; the impact of technological advances; the outcomes of contingencies; trends in customer behavior as well as their ability to repay loans; and changes in the national and local economies. We undertake no obligation to revise these statements following the date of this filing.

OVERVIEW

On July 12, 2021 we acquired four full-service MVB branch banking offices and two MVB drive-up banking locations in southern West Virginia whose results are included in our financial statements from the acquisition dates forward, impacting comparisons to the prior-year periods.

Our primary source of income is net interest income from loans and deposits.  Business volumes tend to be influenced by the overall economic factors including market interest rates, business spending, and consumer confidence, as well as competitive conditions within the marketplace.

Primarily due to our 2021 acquisition and organic loan growth, average interest earning assets increased by 13.7% for the first three months in 2022 compared to the same period of 2021 while our net interest earnings on a tax equivalent basis increased 12.5%.  Our tax equivalent net interest margin decreased 4 basis points as our yield on interest earning assets decreased 12 basis points while our cost of interest bearing funds decreased 9 basis points.

COVID-19 IMPACTS

Overview

Significant progress has been made to combat the outbreak of COVID-19; however, the global pandemic adversely impacted a broad range of industries in which our clients operate and could still impair their ability to fulfill their financial obligations to the Company.

Impact on our Operations 

While it appears that epidemiological and macroeconomic conditions are trending in a positive direction as of March 31, 2022, if there is a resurgence in the virus, we could experience further adverse effects on our business, financial condition, results of operations and cash flows. While it is not possible to know the full extent of the impact of COVID-19 or the impact of any potential resulting measures to curtail its spread on future operations, we are disclosing potentially material items of which we are aware.

43

Impact on our Financial Position and Results of Operations

Lending and Credit Risks: Improving conditions around COVID-19 had an impact on our allowance for credit losses ("ACL") throughout the prior year as we experienced a decline in required reserves over that period. COVID-19 had little impact on required ACL levels, our financial condition and results of operations for first quarter 2022. We have not experienced any material charge-offs related to COVID-19. Our ACL calculation, and resulting provision for credit losses, are significantly impacted by changes in forecasted economic conditions. Should economic conditions worsen as a result of a resurgence in the virus and resulting measures to curtail its spread, we could experience increases in our required ACL and record additional credit loss expense. It is possible that our asset quality measures could worsen at future measurement periods if the effects of COVID-19 are prolonged.

While all industries experienced adverse impacts as a result of COVID-19, we had no material exposure (on balance sheet loans and commitments to lend greater than 5% of the loan portfolio) to loan categories that management considered to be "at-risk" of significant impact as of March 31, 2022. We continue to work with customers directly affected by COVID-19. As a result of the current economic environment caused by COVID-19, we continue to engage in communication with borrowers to better understand their situation and the challenges faced, allowing us to respond proactively as needs and issues arise.

Capital and Liquidity: Our capital management activities, coupled with our historically strong earnings performance and prudent dividend practices, have allowed us to build and maintain strong capital reserves. At March 31, 2022, all of Summit’s regulatory capital ratios significantly exceeded well-capitalized standards. More specifically, the Company bank subsidiary’s Tier 1 Leverage Ratio, a common measure to evaluate a financial institutions capital strength, was 10.5% at March 31, 2022, which is well in excess of the well-capitalized regulatory minimum of 5.0%.

In addition, management believes the Company’s liquidity position is strong. The Company’s bank subsidiary maintains a funding base largely comprised of core noninterest bearing demand deposit accounts and low cost interest-bearing transactional deposit accounts with clients that operate or reside within the footprint of its branch bank network. At March 31, 2022, the Company’s cash and cash equivalent balances were $61.3 million. In addition, Summit maintains an available-for-sale securities portfolio, comprised primarily of highly liquid U.S. agency securities, highly-rated municipal securities and U.S. agency-backed mortgage backed securities, which serves as a ready source of liquidity. At March 31, 2022, the Company’s available-for-sale securities portfolio totaled $374.9 million, $238.7 million of which was unpledged as collateral. The Company's bank subsidiary’s unused borrowing capacity at the Federal Home Loan Bank of Pittsburgh at March 31, 2022 was $1.04 billion, and it maintained $407.9 million of borrowing availability at the Federal Reserve Bank of Richmond’s discount window.

CRITICAL ACCOUNTING POLICIES

Our consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America and follow general practices within the financial services industry.  Application of these principles requires us to make estimates, assumptions and judgments that affect the amounts reported in our financial statements and accompanying notes.  These estimates, assumptions and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions and judgments.  Certain policies inherently have a greater reliance on the use of estimates, assumptions and judgments and as such have a greater possibility of producing results that could be materially different than originally reported.

Our most significant accounting policies are presented in the notes to the consolidated financial statements of our 2021 Annual Report on Form 10-K.  These policies, along with the other disclosures presented in the financial statement notes and in this financial review, provide information on how significant assets and liabilities are valued in the financial statements and how those values are determined.

Based on the valuation techniques used and the sensitivity of financial statement amounts to the methods, assumptions and estimates underlying those amounts, we have identified the determination of ACL, fair value measurements and accounting for acquired loans to be the accounting areas that require the most subjective or complex judgments and as such could be most subject to revision as new information becomes available. Refer to Note 7 of the Notes to the Consolidated Financial Statements in the 2021 Form 10-K for a discussion of the methodology we employ regarding the ACL.

For additional information regarding critical accounting policies, refer to Critical Accounting Policies section in Management’s Discussion and Analysis of Financial Condition and Results of Operations included in the 2021 Form 10-K. There have been no significant changes in our application of critical accounting policies since December 31, 2021.

44

RESULTS OF OPERATIONS

Earnings Summary

Net income applicable to common shares for the three months ended March 31, 2022 was $11.5 million, or $0.90 per diluted share, compared to $10.4 million, or $0.80 per diluted share for the same period of 2021. The increased earnings for the three months ended March 31, 2022 were primarily attributable to increased net interest income due to our growth. Returns on average equity and assets for the first three months of 2022 were 14.20% and 1.30%, respectively, compared with 14.51% and 1.31% for the same period of 2021.

MVB's results of operations are included in our consolidated results of operations from the date of acquisition, and therefore our 2022 results reflect increased levels of average balances, income and expense as compared to the same periods of 2021 results. At consummation (prior to fair value acquisition adjustments), the MVB branch transaction consisted primarily of $54.4 million loans acquired and $164.0 million deposits assumed.

Net Interest Income

Net interest income is the principal component of our earnings and represents the difference between interest and fee income generated from earning assets and the interest expense paid on deposits and borrowed funds.  Fluctuations in interest rates as well as changes in the volume and mix of earning assets and interest bearing liabilities can materially impact net interest income.

Q1 2022 compared to Q4 2021

For the quarter ended March 31, 2022, our net interest income on a fully taxable-equivalent basis increased $718,000 to $29.8 million compared to $29.1 million for the quarter end December 31, 2021. Our taxable-equivalent earnings on interest earning assets increased $1,072,000, while the cost of interest bearing liabilities increased $354,000 (see Tables I and II).

For the three months ended March 31, 2022, average interest earning assets increased to $3.35 billion compared to $3.31 billion for the three months ended December 31, 2021, while average interest bearing liabilities increased to $2.64 billion for the three months ended March 31, 2022 from $2.61 billion for the three months ended December 31, 2021.

For the quarter ended March 31, 2022, our net interest margin increased to 3.61%, compared to 3.49% for the linked quarter, as the yields on earning assets increased 16 basis points and the cost of our interest bearing funds increased by 6 basis points.

Excluding the impact of accretion and amortization of fair value acquisition accounting adjustments related to the interest earning assets and interest bearing liabilities acquired by merger, Summit's net interest margin was 3.57% and 3.45% for the three months ended March 31, 2022 and December 31, 2021.

Q1 2022 compared to Q1 2021

For the quarter ended March 31, 2022, our net interest income on a fully taxable-equivalent basis increased $3.3 million to $29.8 million compared to $26.5 million for the quarter ended March 31, 2021. Our taxable-equivalent earnings on interest earning assets increased $3.1 million, while the cost of interest bearing liabilities decreased $171,000 (see Tables I and II).

For the three months ended March 31, 2022, average interest earning assets increased 13.7% to $3.35 billion compared to $2.95 billion for the three months ended March 31, 2021, while average interest bearing liabilities increased 11.2% from $2.38 billion for the three months ended March 31, 2021 to $2.64 billion for the three months ended March 31, 2022.

For the quarter ended March 31, 2022, our net interest margin decreased to 3.61%, compared to 3.65% for the same period of 2021, as the yields on earning assets decreased 12 basis points, while the cost of our interest bearing funds decreased by 9 basis points.

Excluding the impact of accretion and amortization of fair value acquisition accounting adjustments related to the interest earning assets and interest bearing liabilities acquired by merger, Summit's net interest margin was 3.60% for the three months ended March 31, 2021.

45

Table I - Average Balance Sheet and Net Interest Income Analysis
	For the Quarter Ended
	March 31, 2022						December 31, 2021						March 31, 2021
Dollars in thousands	Average Balance		Earnings/ Expense		Yield/ Rate		Average Balance		Earnings/ Expense		Yield/ Rate		Average Balance		Earnings/ Expense		Yield/ Rate
Interest earning assets
Loans, net of unearned fees (1)
Taxable	$	2,771,842	$	30,178	4.42	%	$	2,640,975	$	28,916	4.34	%	$	2,355,705	$	27,419	4.72	%
Tax-exempt (2)	5,369		58		4.38	%	6,888		81		4.67	%	12,679		151		4.83	%
Securities
Taxable	320,170		1,656		2.10	%	349,541		1,806		2.05	%	266,289		1,295		1.97	%
Tax-exempt (2)	180,473		1,223		2.75	%	177,757		1,212		2.71	%	144,880		1,091		3.05	%
Federal funds sold and interest bearing deposits with other banks	72,883		46		0.26	%	132,471		75		0.22	%	166,531		67		0.16	%
Total interest earning assets	3,350,737		33,161		4.01	%	3,307,632		32,090		3.85	%	2,946,084		30,023		4.13	%
Noninterest earning assets
Cash & due from banks	19,226						21,037						17,961
Premises and equipment	56,043						56,566						53,317
Property held for sale	63,429						63,810						14,859
Other assets	142,719						126,635						152,484
Allowance for loan losses	(32,462)						(32,691)						(32,706)
Total assets	$	3,599,692					$	3,542,989					$	3,151,999
Interest bearing liabilities
Interest bearing demand deposits	$	1,135,068	$	465	0.17	%	$	1,128,637	$	319	0.11	%	$	960,190	$	394	0.17	%
Savings deposits	700,115		573		0.33	%	692,893		590		0.34	%	642,241		645		0.41	%
Time deposits	542,360		689		0.52	%	560,140		809		0.57	%	583,723		1,457		1.01	%
Short-term borrowings	140,230		373		1.08	%	140,146		365		1.03	%	140,146		469		1.36	%
Long-term borrowings and capital trust securities	123,203		1,239		4.08	%	86,509		902		4.14	%	49,664		545		4.45	%
Total interest bearing liabilities	2,640,976		3,339		0.51	%	2,608,325		2,985		0.45	%	2,375,964		3,510		0.60	%
Noninterest bearing liabilities and shareholders' equity
Demand deposits	586,903						568,764						451,957
Other liabilities	42,493						40,905						38,393
Total liabilities	3,270,372						3,217,994						2,866,314
Shareholders' equity - preferred	14,921						14,920						—
Shareholders' equity - common	314,399						310,075						285,685
Total liabilities and shareholders' equity	$	3,599,692					$	3,542,989					$	3,151,999
Net interest earnings			$	29,822					$	29,105					$	26,513
Net yield on interest earning assets					3.61	%					3.49	%					3.65	%

(1)- For purposes of this table, nonaccrual loans are included in average loan balances.

(2)- Interest income on tax-exempt securities and loans has been adjusted assuming a Federal tax rate of 21% for all periods presented. The tax equivalent adjustment resulted in an increase in interest income of $268,000, $273,000, and $260,000 for the three months ended March 31, 2022, December 31, 2021, and March 31, 2021, respectively.

46

Table II - Changes in Net Interest Income Attributable to Rate and Volume
	For the Quarter Ended						For the Quarter Ended
	March 31, 2022 vs. December 31, 2021						March 31, 2022 vs. March 31, 2021
	Increase (Decrease) Due to Change in:						Increase (Decrease) Due to Change in:
Dollars in thousands	Volume		Rate		Net		Volume		Rate		Net
Interest earned on:
Loans
Taxable	$	948	$	314	$	1,262	$	4,615	$	(1,856)	$	2,759
Tax-exempt	(18)		(5)		(23)		(80)		(13)		(93)
Securities
Taxable	(181)		32		(149)		275		87		362
Tax-exempt	5		6		11		249		(117)		132
Federal funds sold and interest bearing deposits with other banks	(38)		9		(29)		(49)		28		(21)
Total interest earned on interest earning assets	716		356		1,072		5,010		(1,871)		3,139
Interest paid on:
Interest bearing demand deposits	2		144		146		72		(1)		71
Savings deposits	1		(18)		(17)		54		(126)		(72)
Time deposits	(29)		(91)		(120)		(97)		(671)		(768)
Short-term borrowings	—		8		8		—		(96)		(96)
Long-term borrowings and capital trust securities	350		(13)		337		743		(49)		694
Total interest paid on interest bearing liabilities	324		30		354		772		(943)		(171)
Net interest income	$	392	$	326	$	718	$	4,238	$	(928)	$	3,310

Provision for Credit Losses

Provision for credit losses is determined by management as the amount to be added to the allowance for credit loss accounts for various types of financial instruments including loans, securities and off-balance-sheet credit exposure after net charge-offs have been deducted to bring the allowance to a level which, in management’s best estimate, is necessary to absorb expected credit losses over the lives of the respective financial instruments.

We recorded $1.95 million and $1.50 million provision for credit losses for the three months ended March 31, 2022 and 2021, respectively. The following table summarizes the changes in the various factors that comprise the components of credit loss expense.

47

Table III - Provision for Credit Losses
	For the Three Months Ended   March 31,
Dollars in thousands	2022		2021
Provision for credit losses-loans
Due to changes in:
Volume and mix	$	2,648	$	2,831
Loss experience	(640)		(735)
Reasonable and supportable economic forecasts	(757)		(1,137)
Individually evaluated credits	(418)		1,026
Acquired loans	—		—
Total provision for credit losses - loans	833		1,985
Provision for credit losses-unfunded commitments
Due to changes in:
Volume and mix	1,231		34
Loss experience	(219)		(156)
Reasonable and supportable economic forecasts	105		(363)
Individually evaluated credits	—		—
Acquired loan commitments	—		—
Total provision for credit losses - unfunded commitments	1,117		(485)
Total provision for credit losses - debt securities	—		—
Total provision for credit losses	$	1,950	$	1,500

Our reasonable and supportable economic forecasts at March 31, 2022 resulted in a net decrease to the provision for the quarter primarily due to our hotel and motel lending portfolio returning to pre-pandemic levels of operations. In addition, our provision for individually evaluated credits also decreased due to an improved collateral valuation for one relationship within our hotel and motel lending portfolio.

Noninterest Income

Total noninterest income for the three months ended March 31, 2022 decreased 8.6% compared to the same period of 2021 principally due to realized losses on debt securities in first quarter 2022 compared to realized gains on debt securities in first quarter 2021 and lower mortgage origination revenue as mortgage refinance opportunities have become more limited which more than offset the higher service charges on deposit accounts and increased gain on equity investments. Further detail regarding noninterest income is reflected in the following table.

Table IV - Noninterest Income
	For the Quarter Ended March 31,
Dollars in thousands	2022		2021
Trust and wealth management fees	757		638
Mortgage origination revenue	339		998
Service charges on deposit accounts	1,401		1,100
Bank card revenue	1,491		1,341
Realized (losses) gains on debt securities	(152)		476
Gain on equity investments	372		—
Bank owned life insurance income	283		298
Other	54		123
Total	$	4,545	$	4,974

Noninterest Expense

Total noninterest expense increased 4.7% for the three months ended March 31, 2022 compared to the same period of 2021 primarily due to higher salaries, commissions, and employee benefits that more than offset the lower foreclosed properties expense, acquisition-related expenses and other expenses. Table V below shows the breakdown of the changes.

48

Table V- Noninterest Expense
	For the Quarter Ended March 31,
			Change
Dollars in thousands	2022		$		%		2021
Salaries, commissions, and employee benefits	$	9,700	$	1,265	15.0	%	$	8,435
Net occupancy expense	1,242		68		5.8	%	1,174
Equipment expense	1,843		262		16.6	%	1,581
Professional fees	362		24		7.1	%	338
Advertising and public relations	172		82		91.1	%	90
Amortization of intangibles	378		(27)		(6.7)	%	405
FDIC premiums	390		113		40.8	%	277
Bank card expense	714		141		24.6	%	573
Foreclosed properties expense, net of (gains)/losses	(90)		(317)		(139.6)	%	227
Acquisition-related expenses	29		(411)		(93.4)	%	440
Other	2,459		(434)		(15.0)	%	2,893
Total	$	17,199	$	766	4.7	%	$	16,433

Salaries, commissions, and employee benefits: The increases in these expenses for the three months ended March 31, 2022 compared to the same period of 2021 is primarily due to general merit raises and the following:

•Higher group health insurance premiums which were $822,000 during first quarter 2022 compared to $513,000 during first quarter 2021; and

•Accrued expenses related to employee bonus plans increased from $690,000 during first quarter 2021 to $1.17 million in first quarter 2022.

Equipment expense: Equipment expenses have increased primarily due to depreciation and amortization related to various technological upgrades, both hardware and software, including interactive teller machine upgrades and recent acquisitions.

Foreclosed properties expense, net of (gains)/losses: The decrease in foreclosed properties expense, net of (gains)/losses, for the three months ended March 31, 2022 is primarily due to gains recognized on sales of foreclosed properties which totaled $157,000 in first quarter 2022 compared to losses of $113,000 during first quarter 2021.

Acquisition-related expenses: Acquisition-related expenses decreased during 2022 as no transactions occurred during 2022.

Other: The decrease in other expenses for the three months ended March 31, 2022 compared to the same period of 2021 is largely due to the following:

•Deferred director compensation plan-related income of $400,000 in 2022 compared to plan-related expense of $236,000 in the comparable period of 2021 as a result of the stock market's overall declined performance during Q1 2022. Under the plan, the directors optionally defer their director fees into a "phantom" investment plan whereby the company recognizes expense or benefit relative to the phantom returns or losses of such investments

•During the first three months of 2022, Virginia franchise tax totaled $148,000 compared to $90,000 for the same period of 2021 primarily due to our balance sheet growth

•Internet banking expense increased to $342,000 for the three months ended March 31, 2022 compared to $278,000 for the same period of 2021 due to increased internet banking activity by clients

Income Taxes

Our income tax expense for the three months ended March 31, 2022 and March 31, 2021 totaled $3.3 million and $2.9 million, respectively. Our effective tax rate (income tax expense as a percentage of income before taxes) for the quarters ended March 31, 2022 and 2021 was 21.8% and 22.1%, respectively. Refer to Note 16 of the accompanying financial statements for further information regarding our income taxes.

49

FINANCIAL CONDITION

Our total assets were $3.64 billion at March 31, 2022 and $3.58 billion at December 31, 2021.  TableVI below is a summary of significant changes in our financial position between December 31, 2021 and March 31, 2022.

Table VI - Summary of Significant Changes in Financial Position
	Balance at December 31, 2021		Increase (Decrease)		Balance at March 31, 2022
Dollars in thousands
Assets
Cash and cash equivalents	$	78,458	$	(17,201)	$	61,257
Debt securities available for sale	401,103		(26,248)		374,855
Debt securities held to maturity	98,060		(471)		97,589
Equity investments	20,202		372		20,574
Other investments	11,304		(330)		10,974
Loans, net	2,729,093		88,905		2,817,998
Property held for sale	9,858		(2,958)		6,900
Premises and equipment	56,371		(658)		55,713
Accrued interest and fees receivable	10,578				11,022
Goodwill and other intangibles	63,590		(378)		63,212
Cash surrender value of life insurance policies and annuities	60,613		10,212		70,825
Derivative financial instruments	11,187		13,268		24,455
Other assets	26,302		2,015		28,317
Total assets	$	3,576,719	$	66,528	$	3,643,691
Liabilities
Deposits	$	2,943,089	$	64,974	$	3,008,063
Short-term borrowings	140,146		—		140,146
Long-term borrowings	679		(5)		674
Subordinated debentures	102,891		106		102,997
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589		—		19,589
Other liabilities	42,852		(1,096)		41,756
Shareholders' Equity - preferred	14,920		—		14,920
Shareholders' Equity - common	312,553		2,993		315,546
Total liabilities and shareholders' equity	$	3,576,719	$	66,972	$	3,643,691

The following is a discussion of the significant changes in our financial position during the first three months of 2022:

Cash and cash equivalents: Net decrease of $17.2 million is primarily attributable to increased customer loans.

Debt securities available for sale: The net decrease of $26.2 million in debt securities available for sale is principally attributable to a $22.5 million decrease in the fair value of the portfolio, purchases of $22.2 million securities, sales of taxable municipals and mortgage-backed securities of $16.1 million and principal paydowns on mortgage-backed securities of $8.7 million.

Loans: Mortgage warehouse lines of credit declined $63.0 million during the first quarter of 2022 due to a reduction in size of our participation arrangement with a regional bank to fund residential mortgage warehouse lines of medium- and large-sized mortgage originators located throughout the United States. Excluding mortgage warehouse lines of credit, loan growth was $152.2 million during the first quarter of 2022, which included PPP loans declining $4.9 million.

50

Deposits: During the first three months of 2022, noninterest bearing checking deposits increased $60.0 million, interest bearing checking deposits grew $7.67 million, savings deposits grew $3.91 million as we increased new commercial account relationships while brokered CDs increased $18.1 million, retail CDs decreased $23.9 million and Direct CDs decreased $0.8 million.

Shareholders' equity - common: Changes in common shareholders' equity are a result of net income, other comprehensive income and common dividends. Refer to the Consolidated Statements of Shareholders' Equity of the accompanying financial statements for further details.

Refer to Notes 5, 6, 8, and 9 of the notes to the accompanying consolidated financial statements for additional information with regard to changes in the composition of our securities, loans, deposits and borrowings between March 31, 2022 and December 31, 2021.

Credit Experience

For purposes of this discussion, nonperforming assets include foreclosed properties, other repossessed assets, and nonperforming loans, which is comprised of loans 90 days or more past due and still accruing interest and nonaccrual loans. Performing TDRs are excluded from nonperforming loans.

The provision for credit losses represents charges to earnings necessary to maintain an adequate allowance to cover an estimate of the full amount of expected credit losses relative to loans. Our determination of the appropriate level of the allowance is based on an ongoing analysis of credit quality and loss potential in the loan portfolio, change in the composition and risk characteristics of the loan portfolio, and the anticipated influence of national and local economic conditions.  The adequacy of the allowance for loan losses is reviewed quarterly and adjustments are made as considered necessary.

At March 31, 2022 and December 31, 2021, our allowance for loan credit losses totaled $32.6 million, or 1.14% of total loans and $32.3 million, or 1.17% of total loans. The allowance for loan credit losses is considered adequate to cover an estimate of the full amount of expected credit losses relative to loans.

We incurred net loan charge-offs of $508,000 in first three months of 2022 (0.07 percent of average loans annualized), compared to $189,000 net loan charge-offs during first three months of 2021 (0.03 percent of average loans annualized).

51

As illustrated in Table VII below, our non-performing assets have decreased since year end 2021.

Table VII - Summary of Non-Performing Assets
	March 31,						December 31,
Dollars in thousands	2022			2021			2021
Accruing loans past due 90 days or more	$	19		$	2		$	4
Nonaccrual loans
Commercial	433			848			740
Commercial real estate	4,765			17,137			4,603
Commercial construction and development	—			—			—
Residential construction and development	968			626			1,560
Residential real estate	5,549			6,667			5,772
Consumer	1			52			17
Other	—			—			—
Total nonaccrual loans	11,716			25,330			12,692
Foreclosed properties
Commercial	—			—			—
Commercial real estate	1,251			2,281			1,389
Commercial construction and development	2,332			3,884			2,332
Residential construction and development	3,018			7,129			5,561
Residential real estate	299			624			576
Total foreclosed properties	6,900			13,918			9,858
Repossessed assets	—			—			—
Total nonperforming assets	$	18,635		$	39,250		$	22,554
Total nonperforming loans as a percentage of total loans	0.41		%	1.03		%	0.46		%
Total nonperforming assets as a percentage of total assets	0.51		%	1.21		%	0.63		%
Allowance for credit losses-loans as a percentage of nonperforming loans	278.00		%	134.39		%	254.39		%
Allowance for credit losses-loans as a percentage of period end loans	1.14		%	1.39		%	1.17		%
Total nonaccrual loans as a percentage of total loans	0.41		%	1.03		%	0.46		%
Allowance for credit losses on loans as a percentage of nonaccrual loans	278.45		%	203.64		%	254.47		%

The decline in residential construction and development foreclosed properties during first quarter 2022 was due to the sale of two residential subdivisions.

The following table details the activity regarding our foreclosed properties for the three months ended March 31, 2022 and 2021.

Table VIII - Foreclosed Property Activity
	For the Three Months Ended   March 31,
Dollars in thousands	2022		2021
Beginning balance	$	9,858	$	15,588
Acquisitions	—		—
Improvements	—		—
Disposals	(2,934)		(1,647)
Writedowns to fair value	(24)		(23)
Balance March 31	$	6,900	$	13,918

Refer to Note 7 of the Notes to the Consolidated Financial Statements in the 2021 Form 10-K for a discussion of the methodology information regarding our past due loans, nonaccrual loans, troubled debt restructurings and information regarding our methodology we employ on a quarterly basis to evaluate the overall adequacy of our allowance for credit losses.

52

At March 31, 2022 and December 31, 2021 we had approximately $6.9 million and $9.9 million in foreclosed properties which were obtained as the result of foreclosure proceedings.  Although foreclosed property is recorded at fair value less estimated costs to sell, the prices ultimately realized upon their sale may or may not result in us recognizing additional gains or losses.

LIQUIDITY AND CAPITAL RESOURCES

Liquidity reflects our ability to ensure the availability of adequate funds to meet loan commitments and deposit withdrawals, as well as provide for other transactional requirements.  Liquidity is provided primarily by funds invested in cash and due from banks (net of float and reserves), Federal funds sold, non-pledged securities, and available lines of credit with the Federal Home Loan Bank of Pittsburgh (“FHLB”) and Federal Reserve Bank of Richmond, which totaled approximately $1.7 billion or 46.73% of total consolidated assets at March 31, 2022.

Our liquidity strategy is to fund loan growth with deposits and other borrowed funds while maintaining an adequate level of short- and medium-term investments to meet normal daily loan and deposit activity.  As a member of the FHLB, we have access to approximately $1.18 billion.  As of March 31, 2022 and December 31, 2021, these advances totaled approximately $141 million.  At March 31, 2022, we had additional borrowing capacity of $1.0 billion through FHLB programs.  We have established a line with the Federal Reserve Bank to be used as a contingency liquidity vehicle.  The amount available on this line at March 31, 2022 was approximately $414 million, which is secured by a pledge of certain consumer and our commercial and industrial loan portfolios.  We have a $6 million unsecured line of credit with a correspondent bank.  Also, we have a $375 million portfolio of available for sale debt securities which can be liquidated to meet liquidity needs.

Liquidity risk represents the risk of loss due to the possibility that funds may not be available to satisfy current or future commitments based on external market issues, customer or creditor perception of financial strength, and events unrelated to Summit such as war, terrorism, pandemic or financial institution market specific issues.  The Asset/Liability Management Committee (“ALCO”), comprised of members of senior management and certain members of the Board of Directors, oversees our liquidity risk management process.   The ALCO develops and recommends policies and limits governing our liquidity to the Board of Directors for approval with the objective of ensuring that we can obtain cost-effective funding to meet current and future obligations, as well as maintain sufficient levels of on-hand liquidity, under both normal and “stressed” circumstances.

We continuously monitor our liquidity position to ensure that day-to-day as well as anticipated funding needs are met.  We are not aware of any trends, commitments, events or uncertainties that have resulted in or are reasonably likely to result in a material change to our liquidity.

One of our continuous goals is maintenance of a strong capital position.  Through management of our capital resources, we seek to provide an attractive financial return to our shareholders while retaining sufficient capital to support future growth.  Shareholders’ equity at March 31, 2022 totaled $330.5 million compared to $327.5 million at December 31, 2021.

Refer to Note 13 of the notes to the accompanying consolidated financial statements for additional information regarding regulatory restrictions on our capital as well as our subsidiaries’ capital.

CONTRACTUAL CASH OBLIGATIONS

During our normal course of business, we incur contractual cash obligations.  The following table summarizes our contractual cash obligations at March 31, 2022.

Table IX - Contractual Cash Obligations
Dollars in thousands	Long Term Debt		Subordinated Debentures		Capital Trust Securities		Operating Leases
2022	$	16	$	—	$	—	$	744
2023	22		—		—		769
2024	23		—		—		719
2025	24		—		—		645
2026	589		—		—		627
Thereafter	—		105,000		19,589		2,223
Total	$	674	$	105,000	$	19,589	$	5,727

53

OFF-BALANCE SHEET ARRANGEMENTS

We are involved with some off-balance sheet arrangements that have or are reasonably likely to have an effect on our financial condition, liquidity, or capital.  These arrangements at March 31, 2022 are presented in the following table.

Table X - Off-Balance Sheet Arrangements	March 31,
Dollars in thousands	2022
Commitments to extend credit:
Revolving home equity and credit card lines	$	99,419
Construction loans	296,068
Other loans	422,148
Standby letters of credit	23,070
Total	$	840,705

54

Item 3. Quantitative and Qualitative Disclosures about Market Risk

Market Risk Management

Market risk is the risk of loss arising from adverse changes in the fair value of financial instruments due to changes in interest rates, exchange rates and equity prices.  Interest rate risk is our primary market risk and results from timing differences in the repricing of assets, liabilities and off-balance sheet instruments, changes in relationships between rate indices and the potential exercise of imbedded options.  The principal objective of asset/liability management is to minimize interest rate risk and our actions in this regard are taken under the guidance of our Asset/Liability Management Committee (“ALCO”), which is comprised of members of senior management and members of the Board of Directors.  The ALCO actively formulates the economic assumptions that we use in our financial planning and budgeting process and establishes policies which control and monitor our sources, uses and prices of funds.

Some amount of interest rate risk is inherent and appropriate to the banking business.  Our net income is affected by changes in the absolute level of interest rates.  Our interest rate risk position is asset sensitive. That is, absent any changes in the volumes of our interest earning assets or interest bearing liabilities, assets are likely to reprice faster than liabilities, resulting in an increase in net income in a rising rate environment.  Net income would decrease in a falling interest rate environment.  Net income is also subject to changes in the shape of the yield curve.  In general, a flattening yield curve would decrease our earnings due to the compression of earning asset yields and funding rates, while a steepening would increase earnings as margins widen.

Several techniques are available to monitor and control the level of interest rate risk.  We control interest rate risk principally by matching the maturities of our interest earning assets with similar maturing interest bearing liabilities and by hedging adverse risk exposures with derivative financial instruments such as interest rate swaps and caps. We primarily use earnings simulations modeling to monitor interest rate risk.  The earnings simulation model forecasts the effects on net interest income under a variety of interest rate scenarios that incorporate changes in the absolute level of interest rates and changes in the shape of the yield curve.  Each increase or decrease in interest rates is assumed to gradually take place over either the next 12 months or the next 24 months (as footnoted in table below), and then remain stable.  Assumptions used to project yields and rates for new loans and deposits are derived from historical analysis.  Securities portfolio maturities and prepayments are reinvested in like instruments.  Mortgage loan prepayment assumptions are developed from industry estimates of prepayment speeds.  Noncontractual deposit repricings are modeled on historical patterns.

The following table presents the estimated sensitivity of our net interest income to changes in interest rates, as measured by our earnings simulation model as of March 31, 2022.  The sensitivity is measured as a percentage change in net interest income given the stated changes in interest rates (change over 12 months, stable thereafter or change over 24 months, stable thereafter, see footnotes below) compared to net interest income with rates unchanged in the same period.  The estimated changes set forth below are dependent on the assumptions discussed above.

	Estimated % Change in Net Interest Income over:
Change in	0 - 12 Months		13 - 24 Months
Interest Rates	Actual		Actual
Down 100  basis points (1)	-1.0	%	-2.2	%
Up 200 basis points (1)	2.6	%	10.2	%
Up 200 basis points (2)	0.7	%	3.5	%
(1) assumes a parallel shift in the yield curve over 12 months, with no change thereafter
(2) assumes a parallel shift in the yield curve over 24 months, with no change thereafter

55

Item 4. Controls and Procedures

Our management, including the Chief Executive Officer and Chief Financial Officer, has conducted as of March 31, 2022, an evaluation of the effectiveness of disclosure controls and procedures as defined in Exchange Act Rule 13a-15(e).  Based on that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the disclosure controls and procedures as of March 31, 2022 were effective.  There were no changes in our internal control over financial reporting that occurred during the quarter ended March 31, 2022, that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

56

Part II. Other Information

Item 1.  Legal Proceedings

Refer to Note 11 of the Notes to the Consolidated Financial Statements in Part I, Item 1 for information regarding legal proceedings not reportable under this Item.

Item 1A.  Risk Factors

In addition to the other information set forth in this report, you should carefully consider the factors discussed in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2021.

Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds

In February 2020, the Board of Directors authorized the open market repurchase of up to 750,000 shares of the issued and outstanding shares of Summit's common stock ("February 2020 Repurchase Plan"). The timing and quantity of purchases under this stock repurchase plan are at the discretion of management. The plan may be discontinued, suspended, or restarted at any time at the Company's discretion.

The following table sets forth certain information regarding Summit's purchases of its common stock under the Repurchase Plan and for the benefit of Summits Employee Stock Ownership Plan for the quarter ended March 31, 2022.

Period	Total Number of Shares Purchased (a)	Average Price Paid per Share		Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs	Maximum Number of Shares that May Yet be Purchased Under the Plans or Programs
January 1, 2022 - January 31, 2022	—	$	—	—	426,423
February 1, 2022 - February 28, 2022	—	—		—	426,423
March 1, 2022 - March 31, 2022	—	—		—	426,423

(a) All shares purchased for the benefit of Summit's Employee Stock Ownership Plan

57

Item 6. Exhibits

Exhibit 3.i	Amended and Restated Articles of Incorporation of Summit Financial Group, Inc.
Exhibit 3.ii	Articles of Amendment 2009
Exhibit 3.iii	Articles of Amendment 2011
Exhibit 3.iv	Amended and Restated Articles of Amendment 2021
Exhibit 3.v	Amended and Restated By-Laws of Summit Financial Group, Inc.
Exhibit 11	Statement re: Computation of Earnings per Share – Information contained in Note 4 to the Consolidated Financial Statements on page 13 of this Quarterly Report is incorporated herein by reference.
Exhibit 31.1	Sarbanes-Oxley Act Section 302 Certification of Chief Executive Officer
Exhibit 31.2	Sarbanes-Oxley Act Section 302 Certification of Chief Financial Officer
Exhibit 32.1	Sarbanes-Oxley Act Section 906 Certification of Chief Executive Officer
Exhibit 32.2	Sarbanes-Oxley Act Section 906 Certification of Chief Financial Officer
Exhibit 101	Interactive Data File (Inline XBRL)
Exhibit 104	Cover Page Interactive Data File (embedded within the Inline XBRL document and contained in Exhibit 101)

58

EXHIBIT INDEX

Exhibit No.	Description	Page Number
(3)	Articles of Incorporation and By-laws:
	(i)  Amended and Restated Articles of Incorporation of Summit Financial Group, Inc.	(a)
	(ii)  Articles of Amendment 2009	(b)
	(iii)  Articles of Amendment 2011	(c)
	(iv) Amended and Restated Articles of Amendment 2021	(d)
	(v)  Amended and Restated By-laws of Summit Financial Group, Inc.	(e)
11	Statement re:  Computation of Earnings per Share	14
31.1	Sarbanes-Oxley Act Section 302 Certification of Chief Executive Officer
31.2	Sarbanes-Oxley Act Section 302 Certification of Chief Financial Officer
32.1*	Sarbanes-Oxley Act Section 906 Certification of Chief Executive Officer
32.2*	Sarbanes-Oxley Act Section 906 Certification of Chief Financial Officer
101**	Interactive data file (Inline XBRL)
104	Cover Page Interactive Data File (embedded within the Inline XBRL document and contained in Exhibit 101)

*Furnished, not filed.

** As provided in Rule 406T of Regulation S-T, this information is furnished and not filed for purposes of Sections 11 and 12 of the Securities Act of 1933 and Section 18 of the Securities Exchange Act of 1934.

(a)Incorporated by reference to Exhibit 3.2 of Summit Financial Group, Inc.’s filing on Form 8-K dated April 30, 2021.

(b)Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 8-K dated September 30, 2009.

(c)Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 8-K dated November 3, 2011.

(d)Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 8-K dated April 30, 2021.

(e)Incorporated by reference to Exhibit 3.1 of Summit Financial Group, Inc.’s filing on Form 8-K dated March 2, 2022.

59

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

		SUMMIT FINANCIAL GROUP, INC.
		(registrant)
		By:	/s/ H. Charles Maddy, III
			H. Charles Maddy, III,
			President and Chief Executive Officer
		By:	/s/ Robert S. Tissue
			Robert S. Tissue,
			Executive Vice President and Chief Financial Officer
		By:	/s/ Julie R. Markwood
			Julie R. Markwood,
			Senior Vice President and Chief Accounting Officer
Date:	May 6, 2022

60

EX-31.1

Exhibit 31.1

SARBANES-OXLEY ACT SECTION 302

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

I, H. Charles Maddy, III, certify that:

1.I have reviewed this quarterly report on Form 10-Q of Summit Financial Group, Inc.;

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):

a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b)Any fraud, whether or not material, that involves management or other employees who have a significant role in registrant’s internal control over financial reporting.

		/s/ H. Charles Maddy, III
		H. Charles Maddy, III,
		President and Chief Executive Officer
Date:	May 6, 2022

EX-31.2

Exhibit 31.2

SARBANES-OXLEY ACT SECTION 302

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, Robert S. Tissue, certify that:

1.I have reviewed this quarterly report on Form 10-Q of Summit Financial Group, Inc.;

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):

a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

b)Any fraud, whether or not material, that involves management or other employees who have a significant role in registrant’s internal control over financial reporting.

		/s/ Robert S. Tissue
		Robert S. Tissue
		Executive Vice President and Chief Financial Officer
Date:	May 6, 2022

EX-32.1

Exhibit 32.1

SARBANES-OXLEY ACT SECTION 906

CERTIFICATION OF CHIEF EXECUTIVE OFFICER

In connection with this Quarterly Report of Summit Financial Group, Inc. ("Summit “) on Form 10-Q for the period ending March 31, 2022 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, H. Charles Maddy, III, President and Chief Executive Officer of Summit, certify pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1)    The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act  of 1934; and

(2)    The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of Summit.

		/s/ H. Charles Maddy, III
		H. Charles Maddy, III,
		President and Chief Executive Officer
Date:	May 6, 2022

The foregoing certification is being furnished solely pursuant to 18 U.S.C. § 1350 and is not being filed as part of the Report or as a separate disclosure document.

EX-32.2

Exhibit 32.2

SARBANES-OXLEY ACT SECTION 906

CERTIFICATION OF CHIEF FINANCIAL OFFICER

In connection with this Quarterly Report of Summit Financial Group, Inc. ("Summit “) on Form 10-Q for the period ending March 31, 2022 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Robert S. Tissue, Executive Vice President and Chief Financial Officer of Summit, certify pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1)The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act  of 1934; and

(2)The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of Summit.

		/s/ Robert S. Tissue
		Robert S. Tissue,
		Executive Vice President and Chief Financial Officer
Date:	May 6, 2022

The foregoing certification is being furnished solely pursuant to 18 U.S.C. § 1350 and is not being filed as part of the Report or as a separate disclosure document.

XML

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 03, 2022
Document And Entity Information
Title of 12(b) Security	Common Stock, Par Value $2.50 per share
Entity Address, Address Line One	300 North Main Street
Entity Incorporation, State or Country Code	WV
Entity Interactive Data Current	Yes
Entity Registrant Name	Summit Financial Group, Inc.
City Area Code	304
Local Phone Number	530-1000
Entity Central Index Key	0000811808
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	0-16587
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Shell Company	false
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		12,768,620
Entity Current Reporting Status	Yes
Entity Tax Identification Number	55-0672148
Entity Address, City or Town	Moorefield,
Entity Address, State or Province	WV
Entity Address, Postal Zip Code	26836
Trading Symbol	SMMF
Security Exchange Name	NASDAQ

XML

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 18,404	$ 21,006	[1]
Interest bearing deposits with other banks	42,853	57,452	[1]
Cash and cash equivalents	61,257	78,458	[1]
Debt Securities, Available-for-sale	374,855	401,103	[1]
Debt Securities, Held-to-maturity	97,589	98,060
Debt Securities, Held-to-maturity, Allowance for Credit Loss	0	0
Debt Securities, Held to Maturity, Net of Allowance for Credit Losses	97,589	98,060
Equity Securities, FV-NI	20,574	20,202
Other investments	10,974	11,304	[1]
Loans held for sale	265	227	[1]
Loans and Leases Receivable, Net of Deferred Income	2,850,621	2,761,391	[1]
Loans and Leases Receivable, Allowance	(32,623)	(32,298)	[1]
Loans and Leases Receivable, Net Amount	2,817,998	2,729,093	[1]
Property held for sale	6,900	9,858
Premises and equipment, net	55,713	56,371	[1]
Accrued interest and fees receivable	11,022	10,578	[1]
Goodwill and other intangible assets, net	63,212	63,590	[1]
Cash surrender value of life insurance policies and annuities	70,825	60,613	[1]
Derivative Asset	24,455	11,187
Other assets	28,052	26,075	[1]
Total assets	3,643,691	3,576,719	[1]
Deposits
Non-interest bearing	629,002	568,986	[1]
Interest bearing	2,379,061	2,374,103	[1]
Total deposits	3,008,063	2,943,089	[1]
Short-term borrowings	140,146	140,146	[1]
Long-term borrowings	674	679	[1]
Subordinated Debt	102,997	102,891
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589	[1]
Other liabilities	41,756	42,852	[1]
Total liabilities	3,313,225	3,249,246	[1]
Commitments and Contingencies			[1]
Preferred Stock, Shares Authorized	250,000	250,000
Preferred Stock, Shares Issued	1,500	1,500
Shareholders' Equity
Preferred Stock, Value, Issued	$ 14,920	$ 14,920	[1]
Common stock and related surplus, $2.50 par value; authorized 20,000,000 shares; issued: 2022 - 12,768,620 shares and 2021 - 12,763,827 shares; outstanding: 2022 - 12,753,094 shares and 2021 - 12,743,125	89,842	89,525	[1]
Unallocated common stock held by Employee Stock Ownership Plan - 2022 - 15,526 shares and 2021 - 20,702 shares	(167)	(224)	[1]
Retained earnings	226,944	217,770	[1]
Accumulated other comprehensive (loss) income	(1,073)	5,482	[1]
Total shareholders' equity	330,466	327,473	[1]
Total liabilities and shareholders' equity	$ 3,643,691	$ 3,576,719	[1]

[1] Derived from audited consolidated financial statements

XML

Consolidated Balance Sheets (unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Debt Securities, Held-to-maturity, Fair Value	$ 93,284	$ 101,242
Preferred Stock, Par or Stated Value Per Share	$ 1.00	$ 1.00
Preferred Stock, Shares Authorized	250,000	250,000
Common stock, par value (in dollars per share)	$ 2.50	$ 2.50
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	12,768,620	12,763,827
Common stock, shares outstanding	12,753,094	12,743,125
Employee Stock Ownership Plan (ESOP), Number of Suspense Shares	15,526	20,702

XML

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Loans, including fees
Taxable	$ 30,178	$ 27,419
Tax-exempt	46	119
Securities
Interest Income, Securities, Operating, Taxable	1,656	1,295
Interest Income, Securities, Operating, Tax Exempt	967	862
Interest on interest bearing deposits with other banks	46	67
Total interest income	32,893	29,762
Interest expense
Deposits	1,727	2,496
Short-term borrowings	373	469
Long-term borrowings and subordinated debentures	1,239	545
Total interest expense	3,339	3,510
Net interest income	29,554	26,252
Provision for credit losses	1,950	1,500
Net interest income after provision for loan losses	27,604	24,752
Noninterest income
Debt Securities, Available-for-sale, Realized Gain (Loss)	(152)	476
Equity Securities, FV-NI, Gain (Loss)	372	0
Mortgage Origination Revenue	339	998
Bank owned life insurance and annuities income	283	298
Other	54	123
Total noninterest income	4,545	4,974
Noninterest expenses
Salaries, commissions and employee benefits	9,700	8,435
Net occupancy expense	1,242	1,174
Equipment expense	1,843	1,581
Professional fees	362	338
Marketing and Advertising Expense	172	90
Amortization of intangibles	378	405
FDIC premiums	390	277
Bank card expense	714	573
Foreclosed properties expense, net of losses	(90)	227
Business Combination, Acquisition Related Costs	29	440
Other	2,459	2,893
Total noninterest expenses	17,199	16,433
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	14,950	13,293
Income tax expense	3,257	2,933
Net income	11,693	10,360
Dividends, Preferred Stock, Cash	225	0
Net Income (Loss) Available to Common Stockholders, Basic	$ 11,468	$ 10,360
Basic earnings per common share	$ 0.90	$ 0.80
Diluted earnings per common share	$ 0.90	$ 0.80
Fiduciary and Trust [Member]
Noninterest income
Revenue from Contract with Customer, Including Assessed Tax	$ 757	$ 638
Deposit Account [Member]
Noninterest income
Revenue from Contract with Customer, Including Assessed Tax	1,401	1,100
Credit and Debit Card [Member]
Noninterest income
Revenue from Contract with Customer, Including Assessed Tax	$ 1,491	$ 1,341

XML

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 11,693	$ 10,360
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	8,461	6,090
Other Comprehensive Income (Loss), Securities Fair Value Hedge, Gain (Loss) Arising During Period, after tax	2,070	0
Other comprehensive (loss) income:
Net unrealized gain (loss) on available for sale debt securities	(17,086)	(2,717)
Other Comprehensive Income (Loss), Net of Tax	(6,555)	3,373
Total comprehensive income	$ 5,138	$ 13,733

XML

Consolidated Statements of Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net unrealized gain (loss) on cashflow hedge	$ 11,133	$ 8,013
Net unrealized gain (loss) on cashflow hedge, deferred tax	(2,672)	(1,923)
Net unrealized gain (loss) on securities fair value hedge	2,724
Net unrealized gain (loss) on securities fair value hedge, deferred tax	(654)
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment and Tax	(22,482)	(3,575)
OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, Tax	5,396	858
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax	(152)	476
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	$ 36	$ (114)

XML

Consolidated Statements of Shareholders' Equity (unaudited) - USD ($) $ in Thousands	Total		Preferred Stock	Common Stock	Unearned ESOP Shares	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]
Beginning Balance at Dec. 31, 2020	$ 281,580		$ 0	$ 94,964	$ (472)	$ 181,643	$ 5,445
Comprehensive income:
Net income	10,360					10,360
Other comprehensive income	3,373						3,373
Stock Issued During Period, Value, Stock Options Exercised	0			0
Share-based compensation expense	126			126
Stock Issued During Period, Value, Employee Stock Ownership Plan	136			74	62
Stock Issued During Period, Value, Dividend Reinvestment Plan	70			70
Dividends, Preferred Stock, Cash	0
Common stock cash dividends declared	(2,200)					(2,200)
Ending Balance at Mar. 31, 2021	293,445		0	95,234	(410)	189,803	8,818
Beginning Balance at Dec. 31, 2021	327,473	[1]	14,920	89,525	(224)	217,770	5,482
Comprehensive income:
Net income	11,693					11,693
Other comprehensive income	(6,555)						(6,555)
Stock Issued During Period, Value, Stock Options Exercised	0			0
Stock Issued During Period, Value, Restricted Stock Award, Gross	0			0
Share-based compensation expense	169			169
Stock Issued During Period, Value, Employee Stock Ownership Plan	140			83	57
Stock Issued During Period, Value, Dividend Reinvestment Plan	65			65
Dividends, Preferred Stock, Cash	(225)					(225)
Common stock cash dividends declared	(2,294)					(2,294)
Ending Balance at Mar. 31, 2022	$ 330,466		$ 14,920	$ 89,842	$ (167)	$ 226,944	$ (1,073)

[1] Derived from audited consolidated financial statements

XML

Consolidated Statements of Shareholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	390	380
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	1,846
Stock Issued During Period, Shares, Employee Stock Ownership Plan	5,176	5,751
Common stock issuances from reinvested dividends, number of shares	2,557	2,579
Common Stock, Dividends, Per Share, Declared	$ 0.18	$ 0.17

XML

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Cash Flows from Operating Activities
Net income	$ 11,693	$ 10,360
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	930	859
Provision for credit losses	1,950	1,500
Share-based compensation expense	169	126
Deferred income tax expense (benefit)	661	(127)
Loans originated for sale	(8,891)	(38,748)
Proceeds from sale of loans	9,006	38,413
Gain (Loss) on Sales of Loans, Net	(153)	(750)
Debt Securities, Available-for-sale, Realized Gain (Loss)	(152)	476
Equity Securities, FV-NI, Gain (Loss)	(372)	0
Gain (Loss) on Disposition of Assets	109	(138)
Write-downs of foreclosed properties	24	23
Amortization of securities premiums, net	1,255	948
Amortization (accretion) related to acquisitions, net	(357)	(371)
Amortization of intangibles	378	405
Earnings on cash surrender value of bank owned life insurance	(212)	(302)
(Increase) decrease in accrued interest receivable	(444)	1,335
Increase in other assets	(332)	(163)
(Decrease) increase in other liabilities	(512)	2,348
Net cash provided by operating activities	14,836	15,518
Cash Flows from Investing Activities
Proceeds from maturities and calls of debt securities available for sale	210	2,825
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	0		$ 0
Proceeds from Sale of Debt Securities, Available-for-sale	16,092	5,117
Principal payments received on debt securities available for sale	8,730	7,222
Payments to Acquire Debt Securities, Available-for-sale	22,202	44,012
Purchases of other investments	(304)	0
Proceeds from redemptions of other investments	304	3,138
Net loan originations	(90,457)	(40,428)
Purchases of premises and equipment	(320)	(1,611)
Proceeds from sales of repossessed assets & property held for sale	3,063	1,534
Payment to Acquire Life Insurance Policy, Investing Activities	(10,000)	0
Net cash used in investing activities	(94,884)	(66,215)
Cash Flows from Financing Activities
Net increase in demand deposit, NOW and savings accounts	71,595	153,810
Net decrease in time deposits	(6,289)	(24,168)
Repayment of long-term borrowings	(5)	(5)
Proceeds from issuance of common stock, net of issuance costs	65	70
Dividends paid on common stock	(2,294)	(2,200)
Payments of Ordinary Dividends, Preferred Stock and Preference Stock	(225)	0
Net cash provided by financing activities	62,847	127,507
(Decrease) increase in cash and cash equivalents	(17,201)	76,810
Cash and cash equivalents:
Beginning	78,458	99,787	99,787
Ending	61,257	176,597	$ 78,458
Cash payments for:
Interest Paid, Excluding Capitalized Interest, Operating Activities	$ 2,680	$ 3,302

XML

Deposits

3 Months Ended

Mar. 31, 2022

Deposits [Abstract]

Deposits

DEPOSITS

The following is a summary of interest bearing deposits by type as of March 31, 2022 and December 31, 2021:

Dollars in thousands	March 31, 2022		December 31, 2021
Demand deposits, interest bearing	$	1,134,964	$	1,127,298
Savings deposits	702,069		698,156
Time deposits	542,028		548,649
Total	$	2,379,061	$	2,374,103

Included in time deposits are deposits acquired through a third party (“brokered deposits”) totaling $32.8 million and $14.7 million at March 31, 2022 and December 31, 2021, respectively.

A summary of the scheduled maturities for all time deposits as of March 31, 2022 is as follows:

Dollars in thousands
Nine month period ending December 31, 2022	$	309,079
Year ending December 31, 2023	131,634
Year ending December 31, 2024	44,519
Year ending December 31, 2025	30,725
Year ending December 31, 2026	15,514
Thereafter	10,557
Total	$	542,028

The aggregate amount of time deposits in denominations that meet or exceed the FDIC insurance limit of $250,000 totaled $116.2 million at March 31, 2022 and $98.9 million at December 31, 2021.

XML

Deposits

3 Months Ended

Mar. 31, 2022

Deposits [Abstract]

Summary of Interest Bearing Deposits By Type

The following is a summary of interest bearing deposits by type as of March 31, 2022 and December 31, 2021:

Dollars in thousands	March 31, 2022		December 31, 2021
Demand deposits, interest bearing	$	1,134,964	$	1,127,298
Savings deposits	702,069		698,156
Time deposits	542,028		548,649
Total	$	2,379,061	$	2,374,103

Summary of Scheduled Maturities For All Time Deposits

A summary of the scheduled maturities for all time deposits as of March 31, 2022 is as follows:

Dollars in thousands
Nine month period ending December 31, 2022	$	309,079
Year ending December 31, 2023	131,634
Year ending December 31, 2024	44,519
Year ending December 31, 2025	30,725
Year ending December 31, 2026	15,514
Thereafter	10,557
Total	$	542,028

XML

Deposits (Summary Of Interest Bearing Deposits By Type) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Demand deposits, interest bearing	$ 1,134,964	$ 1,127,298
Savings deposits	702,069	698,156
Time deposits	542,028	548,649
Total	$ 2,379,061	$ 2,374,103	[1]

[1] Derived from audited consolidated financial statements

XML

Deposits (Summary Of Scheduled Maturities For All Time Deposits) $ in Thousands	Mar. 31, 2022 USD ($)
Deposits [Abstract]
Nine month period ending December 31, 2022	$ 309,079
Year ending December 31, 2023	131,634
Year ending December 31, 2024	44,519
Year ending December 31, 2025	30,725
Year ending December 31, 2026	15,514
Thereafter	10,557
Total	$ 542,028

XML

Basis of Presentation

3 Months Ended

Mar. 31, 2022

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Basis of Presentation

BASIS OF PRESENTATION

We, Summit Financial Group, Inc. and subsidiaries, prepare our consolidated financial statements in accordance with accounting principles generally accepted in the United States of America for interim financial information and with instructions to Form 10-Q and Regulation S-X.  Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for annual year end financial statements.  In our opinion, all adjustments considered necessary for a fair presentation have been included and are of a normal recurring nature.

The presentation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ materially from these estimates. You should carefully consider each risk factor discussed in Part I, “Item 1A. Risk Factors” in our Annual Report on Form 10-K for the year ended December 31, 2021.

The results of operations for the three months ended March 31, 2022 are not necessarily indicative of the results to be expected for the full year.  The consolidated financial statements and notes included herein should be read in conjunction with our 2021 audited financial statements and Annual Report on Form 10-K.

XML

Significant New Authoritative Accounting Guidance

3 Months Ended

Mar. 31, 2022

Accounting Standards Update and Change in Accounting Principle [Abstract]

Significant New Authoritative Accounting Guidance

SIGNIFICANT NEW AUTHORITATIVE ACCOUNTING GUIDANCE

Recently Adopted

In October 2020, the FASB issued ASU 2020-08 Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable fees and Other Costs which clarifies that an entity should reevaluate whether a callable debt security is within the scope of ASC paragraph 310-20-35-33 for each reporting period. For public business entities, the ASU is effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is not permitted. All entities should apply ASU No. 2020-08 on a prospective basis as of the beginning of the period of adoption for existing or newly purchased callable debt securities. The adoption of ASU 2020-08 did not have a material impact on our consolidated financial statements.

Pending Adoption

In March 2020, the Financial Accounting Standards Board (FASB) issued ASU 2020-04 Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting which provides temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022. At this time, we do not anticipate any material adverse impact to our business operation or financial results during the period of transition.

In October 2021, the FASB issued ASU 2021-08 Business Combinations (Topic 805): Accounting for Contract Assets and Contract Liabilities from Contracts with Customers. The ASU requires entities to apply Topic 606 to recognize and measure contract assets and contract liabilities in a business combination. The amendments improve comparability after the business combination by providing consistent recognition and measurement guidance for revenue contracts with customers acquired in a business combination and revenue contracts with customers not acquired in a business combination. The ASU is effective for fiscal years, including interim periods within those fiscal years, beginning after December 15, 2022. Entities should apply the amendments prospectively and early adoption is permitted. We do not expect the adoption of ASU 2021-08 to have a material impact on our consolidated financial statements.

XML

Fair Value Measurements

3 Months Ended

Mar. 31, 2022

Fair Value Disclosures [Abstract]

Fair Value Measurements

FAIR VALUE MEASUREMENTS

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	March 31, 2022		Level 1		Level 2		Level 3
Debt securities available for sale
U.S. Government sponsored agencies	$	33,899	$	—	$	33,899	$	—
Mortgage backed securities:
Government sponsored agencies	57,193		—		57,193		—
Nongovernment sponsored entities	32,280		—		32,280		—
State and political subdivisions	111,949		—		111,949		—
Corporate debt securities	32,366		—		32,366		—
Asset-backed securities	24,077		—		24,077		—
Tax-exempt state and political subdivisions	83,091		—		83,091		—
Total debt securities available for sale	$	374,855	$	—	$	374,855	$	—
Derivative financial assets
Interest rate caps	$	20,953	$	—	$	20,953	$	—
Interest rate swaps	3,502		—		3,502		—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2021		Level 1		Level 2		Level 3
Debt securities available for sale
U.S. Government sponsored agencies	$	36,629	$	—	$	36,629	$	—
Mortgage backed securities:
Government sponsored agencies	62,211		—		62,211		—
Nongovernment sponsored entities	26,586		—		26,586		—
State and political subdivisions	137,786		—		137,786		—
Corporate debt securities	30,278		—		30,278		—
Asset-backed securities	24,883		—		24,883		—
Tax-exempt state and political subdivisions	82,730		—		82,730		—
Total debt securities available for sale	$	401,103	$	—	$	401,103	$	—
Derivative financial assets
Interest rate caps	$	11,187	$	—	$	11,187	$	—
Derivative financial liabilities
Interest rate swaps	$	1,124	$	—	$	1,124	$	—

We may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles.  These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period.  Assets measured at fair value on a nonrecurring basis are included in the table below.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	March 31, 2022		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	265	$	—	$	265	$	—
Collateral-dependent loans with an ACLL
Commercial real estate	$	3,051	$	—	$	3,051	$	—
Construction and development	350		—		350		—
Residential real estate	337		—		182		155
Total collateral-dependent loans with an ACLL	$	3,738	$	—	$	3,583	$	155
Property held for sale
Commercial real estate	$	1,163	$	—	$	1,163	$	—
Construction and development	5,350		—		5,350		—
Residential real estate	—		—		—		—
Total property held for sale	$	6,513	$	—	$	6,513	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2021		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	227	$	—	$	227	$	—
Collateral-dependent loans with an ACLL
Commercial real estate	$	2,417	$	—	$	2,417	$	—
Construction and development	693		—		693		—
Residential real estate	528		—		528		—
Total collateral-dependent loans with an ACLL	$	3,638	$	—	$	3,638	$	—
Property held for sale
Commercial real estate	$	1,170	$	—	$	1,170	$	—
Construction and development	7,893		—		7,893		—
Residential real estate	27		—		27		—
Total property held for sale	$	9,090	$	—	$	9,090	$	—

The carrying values and estimated fair values of our financial instruments are summarized below:

	March 31, 2022				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	61,257	$	61,257	$	18,404	$	42,853	$	—
Debt securities available for sale	374,855		374,855		—		374,855		—
Debt securities held to maturity	97,589		93,284		—		93,284		—
Equity investments	20,574		20,574		—		20,574		—
Other investments	10,974		10,974		—		10,974		—
Loans held for sale, net	265		265		—		265		—
Loans, net	2,817,998		2,864,756		—		3,583		2,861,173
Accrued interest receivable	11,022		11,022		—		11,022		—
Cash surrender value of life insurance policies and annuities	70,825		70,825		—		70,825		—
Derivative financial assets	24,455		24,455		—		24,455		—
	$	3,489,814	$	3,532,267	$	18,404	$	652,690	$	2,861,173
Financial liabilities
Deposits	$	3,008,063	$	2,893,414	$	—	$	2,893,414	$	—
Short-term borrowings	140,146		140,146		—		140,146		—
Long-term borrowings	674		743		—		743		—
Subordinated debentures	102,997		104,624		—		—		104,624
Subordinated debentures owed to unconsolidated   subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,548		1,548		—		1,548		—
	$	3,273,017	$	3,160,064	$	—	$	3,055,440	$	104,624

	December 31, 2021				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	78,458	$	78,458	$	21,006	$	57,452	$	—
Debt securities available for sale	401,103		401,103		—		401,103		—
Debt securities held to maturity	98,060		101,242		—		101,242		—
Equity investments	20,202		20,202		—		20,202		—
Other investments	11,304		11,304		—		11,304		—
Loans held for sale, net	227		227		—		227		—
Loans, net	2,729,093		2,726,959		—		3,638		2,723,321
Accrued interest receivable	10,578		10,578		—		10,578		—
Cash surrender value of life insurance policies and annuities	60,613		60,613		—		60,613		—
Derivative financial assets	11,187		11,187		—		11,187		—
	$	3,420,825	$	3,421,873	$	21,006	$	677,546	$	2,723,321
Financial liabilities
Deposits	$	2,943,089	$	2,944,722	$	—	$	2,944,722	$	—
Short-term borrowings	140,146		140,146		—		140,146		—
Long-term borrowings	679		795		—		795		—
Subordinated debentures	102,891		103,623		—		—		103,623
Subordinated debentures owed to unconsolidated   subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	788		788		—		788		—
Derivative financial liabilities	1,124		1,124		—		1,124		—
	$	3,208,306	$	3,210,787	$	—	$	3,107,164	$	103,623

XML

Earnings Per Share

3 Months Ended

Mar. 31, 2022

Earnings Per Share [Abstract]

Earnings Per Share

EARNINGS PER SHARE

The computations of basic and diluted earnings per share follow:

	For the Three Months Ended March 31,
	2022					2021
Dollars in thousands,except per share amounts	Net Income (Numerator)		Common Shares (Denominator)	Per Share		Net Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	11,693				$	10,360
Less preferred stock dividends	(225)					—
Basic earnings per share	$	11,468	12,745,297	$	0.90	$	10,360	12,942,099	$	0.80
Effect of dilutive securities:
Stock options			—					4,511
Stock appreciation rights ("SARs")			51,681					49,781
Restricted stock units ("RSUs")			4,925					5,671
Diluted earnings per share	$	11,468	12,801,903	$	0.90	$	10,360	13,002,062	$	0.80

Stock option and SAR grants are disregarded in this computation if they are determined to be anti-dilutive.  All stock options were dilutive for the three months ended March 31, 2021. Our anti-dilutive SARs for the three months ended March 31, 2022 and March 31, 2021 were 346,920 and 222,740, respectively.

XML

Securities

3 Months Ended

Mar. 31, 2022

Debt Securities, Available-for-Sale and Held-to-Maturity, after Allowance for Credit Loss [Abstract]

Securities

DEBT SECURITIES

Debt Securities Available for Sale

The amortized cost, unrealized gains, unrealized losses and estimated fair values of debt securities available for sale at March 31, 2022 and December 31, 2021 are summarized as follows:

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	34,193	$	131	$	425	$	33,899
Residential mortgage-backed securities:
Government-sponsored agencies	58,521		410		1,738		57,193
Nongovernment-sponsored entities	32,859		18		597		32,280
State and political subdivisions
General obligations	76,033		3		8,876		67,160
Various tax revenues	13,023		8		1,170		11,861
Other revenues	35,490		34		2,596		32,928
Corporate debt securities	32,818		30		482		32,366
Asset-backed securities	24,319		38		280		24,077
Total taxable debt securities	307,256		672		16,164		291,764
Tax-exempt debt securities
State and political subdivisions
General obligations	49,441		375		2,953		46,863
Water and sewer revenues	10,510		76		505		10,081
Lease revenues	7,945		144		232		7,857
Various tax revenues	9,631		21		796		8,856
Other revenues	10,096		56		718		9,434
Total tax-exempt debt securities	87,623		672		5,204		83,091
Total debt securities available for sale	$	394,879	$	1,344	$	21,368	$	374,855

	December 31, 2021
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	36,820	$	169	$	360	$	36,629
Residential mortgage-backed securities:
Government-sponsored agencies	61,646		1,153		588		62,211
Nongovernment-sponsored entities	26,839		26		279		26,586
State and political subdivisions
General obligations	78,627		377		1,323		77,681
Water and sewer revenues	9,839		294		—		10,133
Lease revenues	6,401		215		26		6,590
Income tax revenues	6,487		250		3		6,734
Sales tax revenues	6,909		19		99		6,829
Various tax revenues	13,031		218		203		13,046
Utility revenues	7,153		137		130		7,160
Other revenues	9,291		331		9		9,613
Corporate debt securities	30,524		78		324		30,278
Asset-backed securities	24,873		97		87		24,883
Total taxable debt securities	318,440		3,364		3,431		318,373
Tax-exempt debt securities
State and political subdivisions
General obligations	47,583		1,526		270		48,839
Water and sewer revenues	10,618		375		15		10,978
Lease revenues	7,974		553		31		8,496
Other revenues	14,028		405		16		14,417
Total tax-exempt debt securities	80,203		2,859		332		82,730
Total debt securities available for sale	$	398,643	$	6,223	$	3,763	$	401,103

Accrued interest receivable on debt securities available for sale totaled $2.5 million and $2.3 million at March 31, 2022 and December 31, 2021 and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets.

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our available for sale portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
California	$	47,963	$	71	$	4,832	$	43,202
Texas	23,385		66		2,324		21,127
Pennsylvania	14,101		123		848		13,376
Oregon	14,751		—		1,928		12,823
Washington	12,737		60		851		11,946

Management performs pre-purchase and ongoing analysis to confirm that all investment securities meet applicable credit quality standards.  

The maturities, amortized cost and estimated fair values of debt securities available for sale at March 31, 2022, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	35,137	$	34,887
Due from one to five years	83,090		82,135
Due from five to ten years	58,133		56,755
Due after ten years	218,519		201,078
Total	$	394,879	$	374,855

The proceeds from sales, calls and maturities of debt securities available for sale, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the three months ended March 31, 2022 and 2021 are as follows:

	Proceeds from						Gross realized
Dollars in thousands	Sales		Calls and Maturities		Principal Payments		Gains		Losses
For the Three Months Ended   March 31,
2022	$	16,092	$	210	$	8,730	$	97	$	249
2021	$	5,117	$	2,825	$	7,222	$	476	$	—

Provided below is a summary of debt securities available for sale which were in an unrealized loss position at March 31, 2022 and December 31, 2021.

	March 31, 2022
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and corporations	43	$	6,306	$	63	$	21,545	$	362	$	27,851	$	425
Residential mortgage-backed securities:
Government-sponsored agencies	34	30,776		1,505		7,310		233		38,086		1,738
Nongovernment-sponsored entities	10	13,596		388		4,708		209		18,304		597
State and political subdivisions:
General obligations	53	64,626		8,640		1,539		236		66,165		8,876
Various tax revenues	8	8,565		843		1,494		327		10,059		1,170
Other revenues	22	25,515		2,596		—		—		25,515		2,596
Corporate debt securities	17	15,346		364		2,896		118		18,242		482
Asset-backed securities	12	14,888		123		2,653		157		17,541		280
Tax-exempt debt securities
State and political subdivisions:
General obligations	17	30,383		2,917		821		36		31,204		2,953
Water and sewer revenues	6	4,792		505		—		—		4,792		505
Lease revenues	2	3,291		232		—		—		3,291		232
Various tax revenues	5	7,049		782		143		14		7,192		796
Other revenues	4	7,062		718		—		—		7,062		718
Total	233	$	232,195	$	19,676	$	43,109	$	1,692	$	275,304	$	21,368

	December 31, 2021
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and       corporations	41	$	6,630	$	23	$	21,061	$	337	$	27,691	$	360
Residential mortgage-backed securities:
Government-sponsored agencies	19	19,828		376		6,886		212		26,714		588
Nongovernment-sponsored entities	6	4,345		61		7,591		218		11,936		279
State and political subdivisions:
General obligations	41	62,543		1,286		1,055		37		63,598		1,323
Lease revenues	2	1,564		14		494		12		2,058		26
Income tax revenues	1	721		3		—		—		721		3
Sales tax revenues	2	6,052		99		—		—		6,052		99
Various tax revenues	5	8,389		203		—		—		8,389		203
Utility revenues	3	5,175		130		—		—		5,175		130
Other revenues	1	744		9		—		—		744		9
Corporate debt securities	10	10,534		314		990		10		11,524		324
Asset-backed securities	8	10,522		86		751		1		11,273		87
Tax-exempt debt securities
State and political subdivisions:
General obligations	13	25,555		261		853		9		26,408		270
Water and sewer revenues	1	904		15		—		—		904		15
Lease revenues	1	2,396		31		—		—		2,396		31
Other revenues	3	3,558		15		156		1		3,714		16
Total	157	$	169,460	$	2,926	$	39,837	$	837	$	209,297	$	3,763

We do not intend to sell the above securities, and it is more likely than not that we will not be required to sell these securities before recovery of their amortized cost bases.  We believe that this decline in value is primarily attributable to changes in market interest rates, and in some cases limited market liquidity and is not due to credit quality as none of these securities are in default and all carry above investment grade ratings. Accordingly, no allowance for credit losses has been recognized relative to these securities.

Debt Securities Held to Maturity

The amortized cost, unrealized gains, unrealized losses and estimated fair values of debt securities held to maturity at March 31, 2022 and December 31, 2021 are summarized as follows:

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Held to Maturity
Tax-exempt debt securities
State and political subdivisions
General obligations	$	71,458	$	—	$	2,834	$	68,624
Water and sewer revenues	8,146		—		300		7,846
Lease revenues	4,295		—		314		3,981
Sales tax revenues	4,566		—		282		4,284
Various tax revenues	5,574		—		458		5,116
Other revenues	3,550		—		117		3,433
Total debt securities held to maturity	$	97,589	$	—	$	4,305	$	93,284

	December 31, 2021
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Held to Maturity
Tax-exempt debt securities
State and political subdivisions
General obligations	$	71,807	$	2,583	$	—	$	74,390
Water and sewer revenues	8,192		210		—		8,402
Lease revenues	4,316		74		—		4,390
Sales tax revenues	4,582		106		—		4,688
Other revenues	9,163		214		5		9,372
Total debt securities held to maturity	$	98,060	$	3,187	$	5	$	101,242

Accrued interest receivable on debt securities held to maturity totaled $937,000 and $1.1 million at March 31, 2022 and December 31, 2021, respectively and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets.

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our held to maturity portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Texas	$	15,326	$	—	$	498	$	14,828
California	9,823		—		357		9,466
Pennsylvania	8,596		—		281		8,315
Florida	7,563		—		406		7,157
Michigan	7,001		—		365		6,636

The following table displays the amortized cost of held to maturity debt securities by credit rating at March 31, 2022 and December 31, 2021.

	March 31, 2022
Dollars in thousands	AAA		AA		A		BBB		Below Investment Grade
Tax-exempt state and political subdivisions	$	13,024	$	77,101	$	7,464	$	—	$	—
	December 31, 2021
Dollars in thousands	AAA		AA		A		BBB		Below Investment Grade
Tax-exempt state and political subdivisions	$	15,450	$	75,119	$	7,491	$	—	$	—

We owned no past due or nonaccrual held to maturity debt securities at March 31, 2022 or December 31, 2021.

The maturities, amortized cost and estimated fair values of held to maturity debt securities at March 31, 2022, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	—	$	—
Due from one to five years	—		—
Due from five to ten years	2,858		2,691
Due after ten years	94,731		90,593
Total	$	97,589	$	93,284

There were no proceeds from calls and maturities of debt securities held to maturity for the three months ended March 31, 2022 or for the year ended December 31, 2021.

At March 31, 2022, no allowance for credit losses on debt securities held to maturity has been recognized.

XML

Loans and Allowance for Credit Losses

3 Months Ended

Mar. 31, 2022

Loans and Leases Receivable Disclosure [Abstract]

Loans

LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS

Loans

The following table presents the amortized cost of loans held for investment:

Dollars in thousands	March 31, 2022		December 31, 2021
Commercial	$	447,482	$	365,301
Commercial real estate - owner occupied
Professional & medical	148,502		150,759
Retail	189,003		190,304
Other	153,779		143,645
Commercial real estate - non-owner occupied
Hotels & motels	143,082		128,450
Mini-storage	54,083		59,045
Multifamily	272,113		233,157
Retail	172,598		162,758
Other	268,072		282,621
Construction and development
Land & land development	103,203		100,805
Construction	171,384		146,038
Residential 1-4 family real estate
Personal residence	256,872		262,805
Rental - small loan	118,368		121,989
Rental - large loan	81,443		79,108
Home equity	70,770		72,112
Mortgage warehouse lines	164,896		227,869
Consumer	32,095		31,923
Other
Credit cards	1,991		1,891
Overdrafts	885		811
Total loans, net of unearned fees	2,850,621		2,761,391
Less allowance for credit losses - loans	32,623		32,298
Loans, net	$	2,817,998	$	2,729,093

Accrued interest and fees receivable on loans totaled $6.4 million and $7.2 million at March 31, 2022 and December 31, 2021, respectively and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets.

The following table presents the contractual aging of the amortized cost basis of past due loans by class as of March 31, 2022 and December 31, 2021.

	At March 31, 2022
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	395	$	17	$	151	$	563	$	446,919	$	—
Commercial real estate - owner occupied
Professional & medical	46		—		—		46		148,456		—
Retail	—		676		405		1,081		187,922		—
Other	326		—		—		326		153,453		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		143,082		—
Mini-storage	1		—		—		1		54,082		—
Multifamily	—		—		53		53		272,060		—
Retail	65		—		261		326		172,272		—
Other	—		331		—		331		267,741		—
Construction and development
Land & land development	646		—		968		1,614		101,589		—
Construction	—		—		—		—		171,384		—
Residential 1-4 family real estate
Personal residence	2,793		1,089		1,457		5,339		251,533		—
Rental - small loan	569		33		620		1,222		117,146		—
Rental - large loan	—		—		—		—		81,443		—
Home equity	36		42		115		193		70,577		—
Mortgage warehouse lines	—		—		—		—		164,896		—
Consumer	53		17		—		70		32,025		—
Other
Credit cards	16		12		19		47		1,944		19
Overdrafts	—		—		—		—		885		—
Total	$	4,946	$	2,217	$	4,049	$	11,212	$	2,839,409	$	19

	At December 31, 2021
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	736	$	15	$	613	$	1,364	$	363,937	$	—
Commercial real estate - owner occupied
Professional & medical	409		—		—		409		150,350		—
Retail	—		405		144		549		189,755		—
Other	208		—		150		358		143,287		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		128,450		—
Mini-storage	2		—		—		2		59,043		—
Multifamily	—		—		55		55		233,102		—
Retail	66		—		338		404		162,354		—
Other	—		—		—		—		282,621		—
Construction and development
Land & land development	38		7		962		1,007		99,798		—
Construction	—		—		—		—		146,038		—
Residential 1-4 family real estate
Personal residence	2,283		1,211		1,384		4,878		257,927		—
Rental - small loan	429		247		1,093		1,769		120,220		—
Rental - large loan	—		—		—		—		79,108		—
Home equity	236		80		175		491		71,621		—
Mortgage warehouse lines	—		—		—		—		227,869		—
Consumer	98		101		7		206		31,717		—
Other
Credit cards	12		10		4		26		1,865		4
Overdrafts	—		—		—		—		811		—
Total	$	4,517	$	2,076	$	4,925	$	11,518	$	2,749,873	$	4

The following table presents the nonaccrual loans included in the net balance of loans at March 31, 2022 and December 31, 2021.

	March 31,				December 31,
	2022				2021
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	433	$	105	$	740	$	96
Commercial real estate - owner occupied
Professional & medical	—		—		—		—
Retail	622		—		775		—
Other	337		—		341		—
Commercial real estate - non-owner occupied
Hotels & motels	3,036		3,036		3,085		—
Mini-storage	—		—		—		—
Multifamily	52		—		55		—
Retail	710		—		338		—
Other	8		—		9		—
Construction and development
Land & land development	968		—		1,560		—
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	2,655		—		2,504		—
Rental - small loan	2,779		—		3,094		—
Rental - large loan	—		—		—		—
Home equity	115		—		174		—
Mortgage warehouse lines	—		—		—		—
Consumer	1		—		17		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	11,716	$	3,141	$	12,692	$	96

At March 31, 2022, we had troubled debt restructurings ("TDRs") of $20.8 million, of which $18.6 million were current with respect to restructured contractual payments. At December 31, 2021, our TDRs totaled $20.9 million, of which $18.7 million were current with respect to restructured contractual payments.  There were no commitments to lend additional funds under these restructurings at either balance sheet date.

The following table presents by class the TDRs that were restructured during the three months ended March 31, 2022 and March 31, 2021. Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  TDRs are evaluated individually for allowance for credit loss purposes if the loan balance exceeds $500,000, otherwise, smaller balance TDR loans are included in the pools to determine ACLL.

	For the Three Months Ended   March 31, 2022					For the Three Months Ended   March 31, 2021
Dollars in thousands	Number of Modifications	Pre- modification Recorded Investment		Post- modification Recorded Investment		Number of Modifications		Pre- modification Recorded Investment		Post- modification Recorded Investment
Residential 1-4 family real estate
Personal residence	6	$	335	$	335	—		$	—	$	—
Total	6	$	335	335		$	—	$	—	$	—

The following tables present defaults during the stated period of TDRs that were restructured during the prior 12 months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   March 31, 2022			For the Three Months Ended   March 31, 2021
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Residential 1-4 family real estate
Personal residence	4	$	315	1	$	48
Rental - small loan	—	—		1	399
Total	4	$	315	2	$	447

Credit Quality Indicators: We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. We analyze loans individually by classifying the loans as to credit risk.  We internally grade all commercial loans at the time of loan origination. In addition, we perform an annual loan review on all non-homogenous commercial loan relationships with an aggregate exposure of $5.0 million, at which time these loans are re-graded. We use the following definitions for our risk grades:

Pass: Loans graded as Pass are loans to borrowers of acceptable credit quality and risk. They are higher quality loans that do not fit any of the other categories described below.

Special Mention:  Commercial loans categorized as Special Mention are potentially weak. The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the asset may weaken or inadequately protect our position in the future.

Substandard: Commercial loans categorized as Substandard are inadequately protected by the borrower’s ability to repay, equity and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the identified weaknesses are not mitigated.

Doubtful:  Commercial loans categorized as Doubtful have all the weaknesses inherent in those loans classified as Substandard, with the added elements that the full collection of the loan is improbable and the possibility of loss is high.

Loss:  Loans classified as loss are considered to be non-collectible and of such little value that their continuance as a bankable asset is not warranted. This does not mean that the loan has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan, even though partial recovery may be obtained in the future.

Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for purposes of the table below. As of March 31, 2022 and December 31, 2021, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:

	March 31, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	51,438	$	113,621	$	32,878	$	24,917	$	4,735	$	21,969	$	193,884	$	—	$	443,442
	Special Mention	—		923		278		66		37		205		1,954		—		3,463
	Substandard	30		171		31		105		41		11		188		—		577
Total Commercial		51,468		114,715		33,187		25,088		4,813		22,185		196,026		—		447,482
Commercial Real Estate    - Owner Occupied

	March 31, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Professional & medical	Pass	2,317	72,236	10,866	6,933	4,439	47,269	2,771	—	146,831
	Special Mention	—	—	1,141	—	—	243	—	—	1,384
	Substandard	—	—	72	—	—	215	—	—	287
Total Professional & Medical		2,317	72,236	12,079	6,933	4,439	47,727	2,771	—	148,502
Retail	Pass	3,474	77,537	29,354	30,578	8,683	33,463	2,641	—	185,730
	Special Mention	—	—	—	—	—	1,328	—	—	1,328
	Substandard	—	—	—	1,323	—	622	—	—	1,945
Total Retail		3,474	77,537	29,354	31,901	8,683	35,413	2,641	—	189,003
Other	Pass	5,738	35,259	34,086	13,047	15,920	44,747	4,009	—	152,806
	Special Mention	—	58	—	—	—	578	—	—	636
	Substandard	—	—	—	—	—	300	37	—	337
Total Other		5,738	35,317	34,086	13,047	15,920	45,625	4,046	—	153,779
Total Commercial Real Estate -    Owner Occupied		11,529	185,090	75,519	51,881	29,042	128,765	9,458	—	491,284
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	24,593	1,726	3,283	32,985	15,874	22,081	2,772	—	103,314
	Special Mention	—	—	—	36,733	—	—	—	—	36,733
	Substandard	—	—	2,787	—	—	248	—	—	3,035
Total Hotels & Motels		24,593	1,726	6,070	69,718	15,874	22,329	2,772	—	143,082
Mini-storage	Pass	958	13,406	8,291	3,987	14,055	13,340	—	—	54,037
	Special Mention	—	—	—	—	—	46	—	—	46
	Substandard	—	—	—	—	—	—	—	—	—
Total Mini-storage		958	13,406	8,291	3,987	14,055	13,386	—	—	54,083
Multifamily	Pass	33,082	60,824	39,668	51,632	23,493	59,332	3,728	—	271,759
	Special Mention	—	—	91	—	—	41	169	—	301
	Substandard	—	—	—	—	—	53	—	—	53
Total Multifamily		33,082	60,824	39,759	51,632	23,493	59,426	3,897	—	272,113
Retail	Pass	18,879	52,270	41,795	13,845	7,502	30,073	6,573	—	170,937
	Special Mention	—	—	—	—	—	951	—	—	951
	Substandard	—	—	—	—	—	710	—	—	710
Total Retail		18,879	52,270	41,795	13,845	7,502	31,734	6,573	—	172,598
Other	Pass	11,369	107,343	64,889	14,145	6,818	57,798	2,227	—	264,589
	Special Mention	—	—	—	—	570	—	—	—	570
	Substandard	—	—	—	—	—	2,913	—	—	2,913
Total Other		11,369	107,343	64,889	14,145	7,388	60,711	2,227	—	268,072
Total Commercial Real Estate -    Non-Owner Occupied		88,881	235,569	160,804	153,327	68,312	187,586	15,469	—	909,948

	March 31, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Construction and Development
Land & land development	Pass	10,423	24,715	11,231	20,051	5,379	23,094	5,878	—	100,771
	Special Mention	—	—	153	115	—	576	—	—	844
	Substandard	—	—	—	—	—	1,588	—	—	1,588
Total Land & land development		10,423	24,715	11,384	20,166	5,379	25,258	5,878	—	103,203
Construction	Pass	24,875	67,427	68,031	317	1,394	—	8,841	—	170,885
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	328	171	—	—	499
Total Construction		24,875	67,427	68,031	317	1,722	171	8,841	—	171,384
Total Construction and    Development		35,298	92,142	79,415	20,483	7,101	25,429	14,719	—	274,587
Residential 1-4 Family Real Estate
Personal residence	Pass	9,497	37,446	33,363	17,822	18,050	120,774	—	—	236,952
	Special Mention	1	—	—	182	62	9,825	—	—	10,070
	Substandard	—	—	—	527	843	8,480	—	—	9,850
Total Personal Residence		9,498	37,446	33,363	18,531	18,955	139,079	—	—	256,872
Rental - small loan	Pass	5,795	29,557	13,154	12,975	9,862	36,200	4,483	—	112,026
	Special Mention	—	228	106	—	—	1,482	—	—	1,816
	Substandard	—	—	58	181	406	3,749	132	—	4,526
Total Rental - Small Loan		5,795	29,785	13,318	13,156	10,268	41,431	4,615	—	118,368
Rental - large loan	Pass	4,166	37,401	12,481	5,529	4,373	12,756	1,195	—	77,901
	Special Mention	—	—	—	—	—	28	—	—	28
	Substandard	—	—	—	—	—	3,514	—	—	3,514
Total Rental - Large Loan		4,166	37,401	12,481	5,529	4,373	16,298	1,195	—	81,443
Home equity	Pass	198	117	101	11	27	1,378	66,808	—	68,640
	Special Mention	—	—	—	—	—	92	1,392	—	1,484
	Substandard	—	—	—	—	—	389	257	—	646
Total Home Equity		198	117	101	11	27	1,859	68,457	—	70,770
Total Residential 1-4 Family Real    Estate		19,657	104,749	59,263	37,227	33,623	198,667	74,267	—	527,453
Mortgage warehouse lines	Pass	—	—	—	—	—	—	164,896	—	164,896
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	—	—	—	—	—
Total Mortgage Warehouse Lines		—	—	—	—	—	—	164,896	—	164,896
Consumer	Pass	4,593	12,289	5,218	3,502	1,381	1,971	943	—	29,897
	Special Mention	381	695	368	169	46	129	11	—	1,799

	March 31, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
	Substandard	157		110		65		26		8		5		28		—		399
Total Consumer		5,131		13,094		5,651		3,697		1,435		2,105		982		—		32,095
Other
Credit cards	Pass	1,991		—		—		—		—		—		—		—		1,991
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Credit Cards		1,991		—		—		—		—		—		—		—		1,991
Overdrafts	Pass	885		—		—		—		—		—		—		—		885
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Overdrafts		885		—		—		—		—		—		—		—		885
Total Other		2,876		—		—		—		—		—		—		—		2,876
Total		$	214,840	$	745,359	$	413,839	$	291,703	$	144,326	$	564,737	$	475,817	$	—	$	2,850,621

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	123,890	$	36,339	$	31,116	$	5,549	$	8,831	$	14,061	$	141,003	$	—	$	360,789
	Special Mention	693		279		69		41		60		539		1,984		—		3,665
	Substandard	135		45		110		48		18		7		484		—		847
Total Commercial		124,718		36,663		31,295		5,638		8,909		14,607		143,471		—		365,301
Commercial Real Estate    - Owner Occupied
Professional & medical	Pass	72,417		11,869		7,046		4,595		22,939		27,905		2,366		—		149,137
	Special Mention	—		1,146		—		—		—		187		—		—		1,333
	Substandard	—		72		—		—		217		—		—		—		289
Total Professional & Medical		72,417		13,087		7,046		4,595		23,156		28,092		2,366		—		150,759
Retail	Pass	78,780		29,749		33,114		8,813		9,318		25,296		2,464		—		187,534
	Special Mention	—		—		—		—		—		671		—		—		671
	Substandard	—		—		1,324		—		549		226		—		—		2,099
Total Retail		78,780		29,749		34,438		8,813		9,867		26,193		2,464		—		190,304
Other	Pass	32,805		30,897		13,216		16,716		7,501		38,796		2,782		—		142,713
	Special Mention	59		—		—		—		—		532		—		—		591
	Substandard	—		—		—		—		—		303		38		—		341
Total Other		32,864		30,897		13,216		16,716		7,501		39,631		2,820		—		143,645
Total Commercial Real Estate -    Owner Occupied		184,061		73,733		54,700		30,124		40,524		93,916		7,650		—		484,708

	December 31, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	1,736	3,313	32,634	15,949	6,953	20,308	7,531	—	88,424
	Special Mention	—	—	36,941	—	—	—	—	—	36,941
	Substandard	—	2,830	—	—	—	255	—	—	3,085
Total Hotels & Motels		1,736	6,143	69,575	15,949	6,953	20,563	7,531	—	128,450
Mini-storage	Pass	13,294	7,641	9,218	14,209	4,506	10,109	21	—	58,998
	Special Mention	—	—	—	—	—	47	—	—	47
	Substandard	—	—	—	—	—	—	—	—	—
Total Mini-storage		13,294	7,641	9,218	14,209	4,506	10,156	21	—	59,045
Multifamily	Pass	55,367	39,105	45,016	23,665	14,629	51,155	3,372	—	232,309
	Special Mention	—	582	—	—	—	43	169	—	794
	Substandard	—	—	—	—	—	54	—	—	54
Total Multifamily		55,367	39,687	45,016	23,665	14,629	51,252	3,541	—	233,157
Retail	Pass	52,533	42,177	20,763	7,653	6,778	24,958	6,586	—	161,448
	Special Mention	—	—	—	—	—	972	—	—	972
	Substandard	—	—	—	—	—	338	—	—	338
Total Retail		52,533	42,177	20,763	7,653	6,778	26,268	6,586	—	162,758
Other	Pass	107,962	82,846	14,211	8,443	11,421	51,587	2,620	—	279,090
	Special Mention	—	—	—	572	—	—	—	—	572
	Substandard	—	—	—	—	—	2,959	—	—	2,959
Total Other		107,962	82,846	14,211	9,015	11,421	54,546	2,620	—	282,621
Total Commercial Real Estate -    Non-Owner Occupied		230,892	178,494	158,783	70,491	44,287	162,785	20,299	—	866,031
Construction and Development
Land & land development	Pass	26,671	14,050	20,275	5,627	2,927	21,875	6,721	—	98,146
	Special Mention	—	155	117	—	—	591	—	—	863
	Substandard	—	—	—	—	—	1,796	—	—	1,796
Total Land & land development		26,671	14,205	20,392	5,627	2,927	24,262	6,721	—	100,805
Construction	Pass	64,352	64,022	7,438	1,407	—	—	8,320	—	145,539
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	329	—	170	—	—	499
Total Construction		64,352	64,022	7,438	1,736	—	170	8,320	—	146,038
Total Construction and    Development		91,023	78,227	27,830	7,363	2,927	24,432	15,041	—	246,843
Residential 1-4 Family Real Estate

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Personal residence	Pass	39,637		34,962		18,974		18,784		14,597		115,384		—		—		242,338
	Special Mention	—		—		184		62		534		10,377		—		—		11,157
	Substandard	—		—		475		847		456		7,532		—		—		9,310
Total Personal Residence		39,637		34,962		19,633		19,693		15,587		133,293		—		—		262,805
Rental - small loan	Pass	30,342		13,990		14,093		11,524		6,567		33,936		4,630		—		115,082
	Special Mention	229		107		57		250		1		1,579		9		—		2,232
	Substandard	—		132		133		374		513		3,388		135		—		4,675
Total Rental - Small Loan		30,571		14,229		14,283		12,148		7,081		38,903		4,774		—		121,989
Rental - large loan	Pass	34,558		14,069		5,971		5,283		2,790		11,776		1,078		—		75,525
	Special Mention	—		—		—		—		—		29		—		—		29
	Substandard	—		—		—		—		—		3,554		—		—		3,554
Total Rental - Large Loan		34,558		14,069		5,971		5,283		2,790		15,359		1,078		—		79,108
Home equity	Pass	27		115		11		50		78		1,380		68,293		—		69,954
	Special Mention	—		—		—		—		—		94		1,399		—		1,493
	Substandard	—		—		—		—		—		407		258		—		665
Total Home Equity		27		115		11		50		78		1,881		69,950		—		72,112
Total Residential 1-4 Family Real    Estate		104,793		63,375		39,898		37,174		25,536		189,436		75,802		—		536,014
Mortgage warehouse lines	Pass	—		—		—		—		—		—		227,869		—		227,869
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Mortgage Warehouse Lines		—		—		—		—		—		—		227,869		—		227,869
Consumer	Pass	14,134		6,333		4,444		1,767		540		1,691		902		—		29,811
	Special Mention	904		381		210		66		87		53		11		—		1,712
	Substandard	199		96		40		11		3		22		29		—		400
Total Consumer		15,237		6,810		4,694		1,844		630		1,766		942		—		31,923
Other
Credit cards	Pass	1,891		—		—		—		—		—		—		—		1,891
Total Credit Cards		1,891		—		—		—		—		—		—		—		1,891
Overdrafts	Pass	811		—		—		—		—		—		—		—		811
Total Overdrafts		811		—		—		—		—		—		—		—		811
Total Other		2,702		—		—		—		—		—		—		—		2,702
Total		$	753,426	$	437,302	$	317,200	$	152,634	$	122,813	$	486,942	$	491,074	$	—	$	2,761,391

Allowance for Credit Losses - Loans

The following tables presents the activity in the ACLL by portfolio segment during the three months ended March 31, 2022 and the twelve months ended December 31, 2021:

	For the Three Months Ended March 31, 2022
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	3,218	$	992	$	(202)	$	3	$	4,011
Commercial real estate - owner occupied
Professional & medical	1,092		59		—		—		1,151
Retail	1,362		(28)		—		—		1,334
Other	575		(180)		—		—		395
Commercial real estate - non-owner occupied
Hotels & motels	2,532		(1,332)		—		—		1,200
Mini-storage	133		(13)		—		—		120
Multifamily	1,821		236		—		1		2,058
Retail	1,074		476		—		—		1,550
Other	1,820		135		—		3		1,958
Construction and development
Land & land development	3,468		(16)		—		4		3,456
Construction	6,346		1,032		—		—		7,378
Residential 1-4 family real estate
Personal residence	2,765		(36)		(53)		20		2,696
Rental - small loan	2,834		(469)		(83)		8		2,290
Rental - large loan	2,374		(181)		—		—		2,193
Home equity	497		(51)		(8)		4		442
Mortgage warehouse lines	—		—		—		—		—
Consumer	163		14		(55)		25		147
Other
Credit cards	17		(1)		—		2		18
Overdrafts	207		196		(216)		39		226
Total	$	32,298	$	833	$	(617)	$	109	$	32,623

	For the Twelve Months Ended December 31, 2021
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	2,304	$	1,112	$	—	$	(222)	$	24	$	3,218
Commercial real estate - owner occupied
Professional & medical	954		71		71		(4)		—		1,092
Retail	3,173		(1,812)		—		—		1		1,362
Other	610		(35)		—		—		—		575
Commercial real estate - non-owner occupied
Hotels & motels	2,135		397		—		—		—		2,532
Mini-storage	337		(204)		—		—		—		133
Multifamily	1,547		265		—		—		9		1,821
Retail	981		93		—		—		—		1,074
Other	1,104		947		—		(233)		2		1,820
Construction and development
Land & land development	4,084		(628)		—		—		12		3,468
Construction	4,648		1,698		—		—		—		6,346
Residential 1-4 family real estate
Personal residence	3,559		(548)		—		(365)		119		2,765
Rental - small loan	2,736		177		20		(189)		90		2,834
Rental - large loan	3,007		(633)		—		—		—		2,374
Home equity	713		(206)		—		(26)		16		497
Mortgage warehouse lines	—		—		—		—		—		—
Consumer	216		(44)		—		(131)		122		163
Other
Credit cards	17		10		—		(16)		6		17
Overdrafts	121		255		—		(321)		152		207
Total	$	32,246	$	915	$	91	$	(1,507)	$	553	$	32,298

The following tables presents, as of March 31, 2022 and December 31, 2021 segregated by loan portfolio segment, details of the loan portfolio and the ACLL calculated in accordance with our credit loss accounting methodology for loans described above.

	March 31, 2022
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	168	$	447,314	$	447,482	$	—	$	4,011	$	4,011
Commercial real estate - owner occupied
Professional & medical	2,050		146,452		148,502		235		916		1,151
Retail	5,569		183,434		189,003		—		1,334		1,334
Other	—		153,779		153,779		—		395		395
Commercial real estate - non-owner occupied
Hotels & motels	3,036		140,046		143,082		—		1,200		1,200
Mini-storage	—		54,083		54,083		—		120		120
Multifamily	—		272,113		272,113		—		2,058		2,058
Retail	3,109		169,489		172,598		105		1,445		1,550
Other	5,663		262,409		268,072		308		1,650		1,958
Construction and development
Land & land development	1,540		101,663		103,203		613		2,843		3,456
Construction	—		171,384		171,384		—		7,378		7,378
Residential 1-4 family real estate
Personal residence	—		256,872		256,872		—		2,696		2,696
Rental - small loan	1,444		116,924		118,368		417		1,873		2,290
Rental - large loan	3,129		78,314		81,443		—		2,193		2,193
Home equity	473		70,297		70,770		—		442		442
Mortgage warehouse lines	—		164,896		164,896		—		—		—
Consumer	3		32,092		32,095		—		147		147
Other
Credit cards	—		1,991		1,991		—		18		18
Overdrafts	—		885		885		—		226		226
Total	$	26,184	$	2,824,437	$	2,850,621	$	1,678	$	30,945	$	32,623

(1) Included in the loans collectively evaluated are $15.1 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

	December 31, 2021
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	177	$	365,124	$	365,301	$	—	$	3,218	$	3,218
Commercial real estate - owner occupied
Professional & medical	2,073		148,686		150,759		199		893		1,092
Retail	5,559		184,745		190,304		—		1,362		1,362
Other	—		143,645		143,645		—		575		575
Commercial real estate - non-owner occupied
Hotels & motels	3,085		125,365		128,450		669		1,863		2,532
Mini-storage	1,058		57,987		59,045		—		133		133
Multifamily	—		233,157		233,157		—		1,821		1,821
Retail	2,693		160,065		162,758		—		1,074		1,074
Other	5,726		276,895		282,621		69		1,751		1,820
Construction and development
Land & land development	2,004		98,801		100,805		723		2,745		3,468
Construction	—		146,038		146,038		—		6,346		6,346
Residential 1-4 family real estate
Personal residence	—		262,805		262,805		—		2,765		2,765
Rental - small loan	1,463		120,526		121,989		436		2,398		2,834
Rental - large loan	3,162		75,946		79,108		—		2,374		2,374
Home equity	523		71,589		72,112		—		497		497
Mortgage warehouse lines	—		227,869		227,869		—		—		—
Consumer	—		31,923		31,923		—		163		163
Other
Credit cards	—		1,891		1,891		—		17		17
Overdrafts	—		811		811		—		207		207
Total	$	27,523	$	2,733,868	$	2,761,391	$	2,096	$	30,202	$	32,298

(1) Included in the loans collectively evaluated are $19.8 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACLL allocated to those loans:

	March 31, 2022
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	168	$	168	$	—
Commercial real estate - owner occupied
Professional & medical	2,050		—		2,050		235
Retail	5,569		—		5,569		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,036		—		3,036		—
Mini-storage	—		—		—		—
Multifamily	—		—		—		—
Retail	3,109		—		3,109		105
Other	5,663		—		5,663		308
Construction and development
Land & land development	1,540		—		1,540		613
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,444		—		1,444		417
Rental - large loan	3,129		—		3,129		—
Home equity	473		—		473		—
Consumer	—		3		3		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	26,013	$	171	$	26,184	$	1,678

	December 31, 2021
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	177	$	177	$	—
Commercial real estate - owner occupied
Professional & medical	2,073		—		2,073		199
Retail	5,559		—		5,559		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,085		—		3,085		669
Mini-storage	1,058		—		1,058		—
Multifamily	—		—		—		—
Retail	2,693		—		2,693		—
Other	5,726		—		5,726		69
Construction and development
Land & land development	2,004		—		2,004		723
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,463		—		1,463		436
Rental - large loan	3,162		—		3,162		—
Home equity	523		—		523		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	27,346	$	177	$	27,523	$	2,096

XML

Goodwill And Other Intangible Assets

3 Months Ended

Mar. 31, 2022

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets

GOODWILL AND OTHER INTANGIBLE ASSETS

The following tables present our goodwill activity for the quarter ending March 31, 2022 and the balance of other intangible assets at March 31, 2022 and December 31, 2021.

Dollars in thousands	Goodwill Activity
Balance, January 1, 2022	$	55,347
Reclassifications from goodwill	—
Acquired goodwill	—
Balance, March 31, 2022	$	55,347

	Other Intangible Assets
Dollars in thousands	March 31, 2022		December 31, 2021
Identifiable intangible assets
Gross carrying amount	$	15,828	$	15,828
Less: accumulated amortization	7,963		7,585
Net carrying amount	$	7,865	$	8,243

We recorded amortization expense of $378,000 for the three months ended March 31, 2022 and $405,000 for the three months ended March 31, 2021, relative to our identifiable intangible assets.  

Amortization relative to our identifiable intangible assets is expected to approximate the following during the next five years and thereafter:

	Core Deposit
Dollars in thousands	Intangible
Nine month period ending December 31, 2022	$	1,063
Year ending December 31, 2023	1,299
Year ending December 31, 2024	1,158
Year ending December 31, 2025	1,019
Year ending December 31, 2026	878
Thereafter	2,378

XML

Borrowed Funds

3 Months Ended

Mar. 31, 2022

Debt Disclosure [Abstract]

Borrowed Funds

BORROWED FUNDS

Short-term borrowings:    Federal funds purchased mature the next business day and totaled $146,000 at March 31, 2022 and December 31, 2021. A summary of short-term FHLB advancecs is presented below:

	Three Months Ended March 31,
	2022			2021
Dollars in thousands	Short-term FHLB Advances
Balance at March 31	$	140,000		$	140,000
Average balance outstanding for the period	140,084			140,000
Maximum balance outstanding at any month end during period	140,000			140,000
Weighted average interest rate for the period	0.41		%	0.37		%
Weighted average interest rate for balances
outstanding at March 31	0.47		%	0.38		%

	Year Ended December 31, 2021
Dollars in thousands	Short-term FHLB Advances
Balance at December 31	$	140,000
Average balance outstanding for the period	140,000
Maximum balance outstanding at any month end     during period	140,000
Weighted average interest rate for the period	0.33		%
Weighted average interest rate for balances
outstanding at December 31	0.26		%

Long-term borrowings:  Our long-term borrowings of $674,000 and $679,000 at March 31, 2022 and December 31, 2021, respectively, consisted of a 5.34% fixed rate advance from the Federal Home Loan Bank (“FHLB”), maturing in 2026. This FHLB advance is collateralized by a blanket lien of $1.68 billion of residential mortgage loans, certain commercial loans, mortgage backed securities and securities of U.S. Government agencies and corporations.

Subordinated debentures: We issued $75 million of subordinated debentures, net of $1.67 million debt issuance costs, during fourth quarter 2021 in a private placement transaction, which had a net balance of $73.5 million at March 31, 2022 and $73.4 million at December 31, 2021. The subordinated debt qualifies as Tier 2 capital under Federal Reserve Board guidelines, until the debt is within 5 years of its maturity; thereafter the amount qualifying as Tier 2 capital is reduced by 20 percent each year until maturity. This subordinated debt bears interest at a fixed rate of 3.25% per year, from and including November 16, 2021 to, but excluding, December 1, 2026, payable semi-annually in arrears. From and including December 1, 2026 to, but excluding, the maturity date or earlier redemption date, the interest rate will reset quarterly at a variable rate equal to the then current three-month term Secured Overnight Financing Rate (“SOFR”), as published by the Federal Reserve Bank of New York, plus 230 basis points, payable quarterly in arrears. This debt has a 10 years term and generally, is not prepayable by us within the first five years.

We issued $30 million of subordinated debentures, net of $664,000 debt issuance costs, during third quarter 2020 in a private placement transaction, which had a net balance of $29.5 million at March 31, 2022 and December 31, 2021. The subordinated debt qualifies as Tier 2 capital under Federal Reserve Board guidelines, until the debt is within 5 years of its maturity; thereafter the amount qualifying as Tier 2 capital is reduced by 20 percent each year until maturity. This subordinated debt bears interest at a fixed rate of 5.00% per year, from and including September 22, 2020 to, but excluding, September 30, 2025, payable quarterly in arrears. From and including September 30, 2025 to, but excluding, the maturity date or earlier redemption date, the interest rate will reset quarterly at a variable rate equal to the then current three-month term Secured Overnight Financing Rate (“SOFR”), as published by the Federal Reserve Bank of New York, plus 487 basis points, payable quarterly in arrears. This debt has a 10 years term and generally, is not prepayable by us within the first five years.

Subordinated debentures owed to unconsolidated subsidiary trusts:  We have three statutory business trusts that were formed for the purpose of issuing mandatorily redeemable securities (the “capital securities”) for which we are obligated to third party investors and investing the proceeds from the sale of the capital securities in our junior subordinated debentures (the “debentures”).  The debentures held by the trusts are their sole assets.  These subordinated debentures totaled $19.6 million at March 31, 2022 and December 31, 2021.

The capital securities held by SFG Capital Trust I, SFG Capital Trust II, and SFG Capital Trust III qualify as Tier 1 capital under Federal Reserve Board guidelines.  In accordance with these Guidelines, trust preferred securities generally are limited to 25% of Tier 1 capital elements, net of goodwill.  The amount of trust preferred securities and certain other elements in excess of the limit can be included in Tier 2 capital.

A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:

Dollars in thousands		Long-term borrowings		Subordinated debentures		Subordinated debentures owed to unconsolidated subsidiary trusts
Year Ending December 31,	2022	$	16	$	—	$	—
	2023	22		—		—
	2024	23		—		—
	2025	24		—		—
	2026	589		—		—
	Thereafter	—		105,000		19,589
		$	674	$	105,000	$	19,589

XML

Share Based Compensation

3 Months Ended

Mar. 31, 2022

Share-based Payment Arrangement [Abstract]

Share Based Compensation

SHARE-BASED COMPENSATION

Under the 2014 Long-Term Incentive Plan (“2014 LTIP”), stock options, SARs and RSUs have generally been granted with an exercise price equal to the fair value of Summit's common stock on the grant date. We periodically grant employee stock options to individual employees.

The fair value of our employee stock options and SARs granted under the Plans is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options and SARs granted but are not considered by the model. Because our employee stock options and SARs have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options and SARs at the time of grant. 

There were no grants of SARs or stock options during first quarter 2022. During third quarter 2021, we granted 54,947 SARs with a $9.44 grant date fair value per SAR that become exercisable ratably over seven years (14.3% per year) and expire ten years after the grant date. Also during 2021, we granted 122,542 SARs with an $9.34 grant date fair value per SAR that become exercisable ratably over five years (20% per year) and expire ten years after the grant date.

The fair value of our employee stock options and SARs granted under the Plans is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options and SARs granted but are not considered by the model. Because our employee stock options and SARs have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options and SARs at the time of grant. The assumptions used to value SARs granted in 2021 are as follows:

	2021 grant with 7 year expiration		2021 grant with 5 year expiration
Risk-free interest rate	1.06	%	0.74	%
Expected dividend yield	3.00	%	3.00	%
Expected common stock volatility	55.59	%	55.59	%
Expected life	7 years		5.5 years

A summary of our SAR and stock option activity during the first three months of 2022 and 2021 is as follows:

	For the Three Months Ended March 31,
	2022
	Options/SARs	Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	491,792				$	21.32
Granted	—				—
Exercised	(700)				12.01
Forfeited	—				—
Expired	—				—
Outstanding, March 31	491,092	$	—	6.78	$	21.33
Exercisable, March 31	244,557	$	1,363	4.92	$	20.15

	For the Three Months Ended March 31,
	2021
	Options/SARs	Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	329,203				$	20.47
Granted	—				—
Exercised	(800)				12.01
Forfeited	—				—
Expired	—				—
Outstanding, March 31	328,403	$	1,989	6.10	$	20.49
Exercisable, March 31	218,216	$	1,751	5.43	$	18.53

Grants of RSUs include time-based vesting conditions that generally vest ratably over a period of 3 to 5 years.

	RSUs	Weighted Average Grant Date Fair Value
Nonvested, December 31, 2021	13,015	$	21.24
Granted	—	—
Forfeited	—	—
Vested	(1,846)	27.09
Nonvested, March 31, 2022	11,169	$	20.28

	RSUs	Weighted Average Grant Date Fair Value
Nonvested, December 31, 2020	15,686	$	20.40
Granted	—	—
Forfeited	—	—
Vested	—	—
Nonvested, March 31, 2021	15,686	$	20.40

We recognize compensation expense based on the estimated number of stock awards expected to actually vest, exclusive of the awards expected to be forfeited.  During the first three months of 2022 and 2021, total stock compensation expense for all share-based arrangements was $169,000 and $126,000 and the related deferred tax benefits were approximately $41,000 and $30,000. At March 31, 2022 our total unrecognized compensation expense related to all nonvested awards not yet recognized totaled $2.18 million and on a weighted average basis, will be recognized over the next 2.31 years.

XML

Commitments And Contingencies

3 Months Ended

Mar. 31, 2022

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

COMMITMENTS AND CONTINGENCIES

Off-Balance Sheet Arrangements

We are a party to certain financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the statement of financial position.  The contract amounts of these instruments reflect the extent of involvement that we have in this class of financial instruments.

Many of our lending relationships contain both funded and unfunded elements.  The funded portion is reflected on our balance sheet.  The unfunded portion of these commitments is not recorded on our balance sheet until a draw is made under the loan facility.  Since many of the commitments to extend credit may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements.

A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:

Dollars in thousands	March 31, 2022
Commitments to extend credit:
Revolving home equity and credit card lines	$	99,419
Construction loans	296,068
Other loans	422,148
Standby letters of credit	23,070
Total	$	840,705

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  We evaluate each customer's credit worthiness on a case-by-case basis.  The amount of collateral obtained, if we deem necessary upon extension of credit, is based on our credit evaluation.  Collateral held varies but may include accounts receivable, inventory, equipment or real estate.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party.

Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments.  We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

Allowance For Credit Losses - Off-Balance-Sheet Credit Exposures

The provision for credit losses on unfunded commitments was $1.12 million and $(485,000) for the three months ended March 31, 2022 and 2021. The ACL on off-balance-sheet credit exposures totaled $8.39 million at March 31, 2022 compared to $7.28 million at December 31, 2021 and is included in other liabilities on the accompanying consolidated balance sheets.

Litigation

We are not a party to litigation except for matters that arise in the normal course of business.  While it is impossible to ascertain the ultimate resolution or range of financial liability, if any, with respect to these contingent matters, in the opinion of management, after consultation with legal counsel, the outcome of these matters will not have a significant adverse effect on the consolidated financial statements.

XML

Preferred Stock	3 Months Ended
	Mar. 31, 2022
Text Block [Abstract]
Preferred Stock	PREFERRED STOCKIn April 2021, we sold through a private placement 1,500 shares or $15.0 million of Series 2021 6% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, $1.00 par value, with a liquidation preference of $10,000 per share (the “Preferred Stock”). The Preferred Stock is non-convertible and will pay noncumulative dividends, if and when declared by the Summit board of directors, at a rate of 6.0% per annum. Dividends declared will be payable quarterly in arrears on the 15th day of March, June, September and December of each year.

XML

Regulatory Matters

3 Months Ended

Mar. 31, 2022

Banking Regulation, Total Capital [Abstract]

Regulatory Matters

REGULATORY MATTERS

Our bank subsidiary, Summit Community Bank, Inc. (“Summit Community”), is subject to various regulatory capital requirements administered by the banking regulatory agencies. Under the capital adequacy guidelines and the regulatory framework for prompt corrective action, Summit Community must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.  Our bank subsidiary’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require Summit Community to maintain minimum amounts and ratios of Common Equity Tier 1("CET1"), Total capital and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).  We believe, as of March 31, 2022, that our bank subsidiary met all capital adequacy requirements to which they were subject.

The most recent notifications from the banking regulatory agencies categorized Summit Community as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized, Summit Community must maintain minimum CET1, Total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.

In December 2018, the federal bank regulatory agencies approved a final rule modifying their regulatory capital rules to provide an option to phase-in over a period of three years the day-one regulatory capital effects of the implementation of ASC 326. In March 2020, those agencies approved a final rule providing an option to delay the estimated impact on regulatory capital. We elected this optional phase-in period upon adoption of ASC 326 on January 1, 2020 and elected to delay the estimated impact. The initial impact of adoption as well as 25% of the quarterly increases in the allowance for credit losses subsequent to adoption (collectively the “transition adjustments”) will be delayed for two years. After two years, the cumulative amount of the transition adjustments will become fixed and will be phased out of the regulatory capital calculations evenly over a three year period, with 75% recognized in year three, 50% recognized in year four, and 25% recognized in year five. After five years, the temporary regulatory capital benefits will be fully reversed.

The following tables present Summit's, as well as Summit Community's, actual and required minimum regulatory capital amounts and ratios as of March 31, 2022 and December 31, 2021.

Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended.

	Actual				Minimum Required Capital - Basel III				Minimum Required To Be Well Capitalized
Dollars in thousands	Amount		Ratio		Amount		Ratio		Amount	Ratio
As of March 31, 2022
CET1 (to risk weighted assets)
Summit	$	264,327	8.2	%	$	225,645	7.0		N/A	N/A
Summit Community	370,527		11.6	%	223,594		7.0	%	207,623	6.5	%
Tier I Capital (to risk weighted assets)
Summit	298,247		9.3	%	272,591		8.5		N/A	N/A
Summit Community	370,527		11.6	%	271,507		8.5	%	255,536	8.0	%
Total Capital (to risk weighted assets)
Summit	432,110		13.5	%	336,086		10.5		N/A	N/A
Summit Community	401,393		12.5	%	337,170		10.5	%	321,114	10.0	%
Tier I Capital (to average assets)
Summit	298,247		8.4	%	142,022		4.0		N/A	N/A
Summit Community	370,527		10.5	%	141,153		4.0	%	176,441	5.0	%

	Actual			Minimum Required Capital - Basel III			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount	Ratio		Amount	Ratio		Amount	Ratio
As of December 31, 2021
CET1 (to risk weighted assets)
Summit	257,122	8.4	%	214,268	7.0	%	N/A	N/A
Summit Community	364,125	11.9	%	214,191	7.0	%	198,892	6.5	%
Tier I Capital (to risk weighted assets)
Summit	291,042	9.5	%	260,406	8.5	%	N/A	N/A
Summit Community	364,125	11.9	%	260,089	8.5	%	244,790	8.0	%
Total Capital (to risk weighted assets)
Summit	420,045	13.8	%	319,599	10.5	%	N/A	N/A
Summit Community	390,236	12.8	%	320,115	10.5	%	304,872	10.0	%
Tier I Capital (to average assets)
Summit	291,042	8.3	%	140,261	4.0	%	N/A	N/A
Summit Community	364,125	10.4	%	140,048	4.0	%	175,060	5.0	%

XML

Derivative Financial Instruments

3 Months Ended

Mar. 31, 2022

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments

DERIVATIVE FINANCIAL INSTRUMENTS

Cash flow hedges

We have entered into two pay-fixed/receive LIBOR interest rate swaps as follows:

•A $20 million notional interest rate swap with an effective date of October 18, 2021 and expiring on October 18, 2023, was designated as a cash flow hedge of $20 million of variable rate Federal Home Loan Bank advances. Under the terms of this swap we will pay a fixed rate of 1.07% and receive a variable rate equal to three month LIBOR.

•A $20 million notional interest rate swap with an effective date of October 18, 2021 and expiring on October 18, 2024, was designated as a cash flow hedge of $20 million of variable rate Federal Home Loan Bank advances. Under the terms of this swap we will pay a fixed rate of 1.1055% and receive a variable rate equal to three month LIBOR.

In addition, we have entered into two interest rate caps as follows:

•A $100 million notional interest rate cap with an effective date of July 20, 2020 and expiring on April 18, 2030, was designated as a cash flow hedge of $100 million of fixed rate Federal Home Loan Bank advances. Under the terms of this cap we will hedge the variability of cash flows when three month LIBOR is above .75%.

•A $100 million notional interest rate cap with an effective date of December 29, 2020 and expiring on December 18, 2025, was designated as a cash flow hedge of $100 million of certain indexed interest bearing demand deposit accounts. Under the terms of this cap we will hedge the variability of cash flows when the indexed rate of SOFR is above 0.50%.

Fair value hedges

We have entered into two pay fixed/receive variable interest rate swaps to hedge fair value variability of two commercial fixed rate loans with the same principal, amortization, and maturity terms of the underlying loans, which are designated as fair value hedges with a total original notional amount of $21.3 million.

We have also entered into a pay fixed/receive variable interest rate swap to hedge the fair value variability of certain available for sale taxable muncipal securities, which is designated as a fair value hedge with a total original notional amount of $71.2 million.

A summary of our derivative financial instruments as of March 31, 2022 and December 31, 2021 follows:

	March 31, 2022
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	40,000	$	1,078	$	—	$	—
Interest rate cap hedging:
Short term borrowings	$	100,000	$	14,244	$	—	$	—
Indexed interest bearing demand deposit accounts	100,000		6,709		—		—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	17,383	$	235	$	—	$	—
Available for sale taxable municipal securities	71,245		2,189		—		(6)

	December 31, 2021
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	40,000	$	—	$	83	$	—
Interest rate cap hedging:
Short term borrowings	$	100,000	$	8,336	$	—	$	—
Indexed interest bearing demand deposit accounts	100,000		2,851		—		—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	17,548	$	—	$	512	$	—
Available for sale taxable municipal securities	71,245		—		529		22

Loan commitments:  ASC Topic 815, Derivatives and Hedging, requires that commitments to make mortgage loans should be accounted for as derivatives if the loans are to be held for sale, because the commitment represents a written option and accordingly is recorded at the fair value of the option liability.

XML

Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss)

3 Months Ended

Mar. 31, 2022

Accumulated Other Comprehensive Income (Loss) [Abstract]

Comprehensive Income (Loss) Note [Text Block]

ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME

The following is changes in accumulated other comprehensive (loss) income by component, net of tax, for the three months ending March 31, 2022 and 2021.

	For the Three Months Ended March 31, 2022
Dollars in thousands	Gains and Losses on Pension Plan		Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges		Unrealized Gains/Losses on Debt Securities Available for Sale		Unrealized Gains on Securities Fair Value Hedge		Total
Beginning balance	$	30	$	9	$	3,993	$	1,868	$	(418)	$	5,482
Other comprehensive (loss) income before reclassification	—		—		8,461		(17,202)		2,070		(6,671)
Amounts reclassified from accumulated other comprehensive income, net of tax	—		—		—		116		—		116
Net current period other comprehensive (loss) income	—		—		8,461		(17,086)		2,070		(6,555)
Ending balance	$	30	$	9	$	12,454	$	(15,218)	$	1,652	$	(1,073)

	For the Three Months Ended March 31, 2021
Dollars in thousands	Gains and Losses on Pension Plan		Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges		Unrealized Gains/Losses on Debt Securities Available for Sale		Total
Beginning balance	$	(199)	$	(40)	$	(1,132)	$	6,816	$	5,445
Other comprehensive income (loss) before reclassification	—		—		6,090		(2,355)		3,735
Amounts reclassified from accumulated other comprehensive income, net of tax	—		—		—		(362)		(362)
Net current period other comprehensive income (loss)	—		—		6,090		(2,717)		3,373
Ending balance	$	(199)	$	(40)	$	4,958	$	4,099	$	8,818

XML

Income Taxes Income Taxes

3 Months Ended

Mar. 31, 2022

Income Tax Disclosure [Abstract]

Income Tax Disclosure [Text Block]

INCOME TAXES

Our income tax expense for the three ended March 31, 2022 and March 31, 2021 totaled $3.3 million and $2.9 million, respectively. Our effective tax rate (income tax expense as a percentage of income before taxes) for the three months ended March 31, 2022 and 2021 was 21.8% and 22.1% respectively. A reconciliation between the statutory income tax rate and our effective income tax rate for the three and nine months ended March 31, 2022 and 2021 is as follows:

	For the Three Months Ended March 31,
	2022		2021
	Percent		Percent
Applicable statutory rate	21.0	%	21.0	%
Increase (decrease) in rate resulting from:
Tax-exempt interest and dividends, net	(1.4)	%	(1.6)	%
State income taxes, net of Federal income tax benefit	1.9	%	2.2	%
Low-income housing and rehabilitation tax credits	(0.2)	%	(0.3)	%
Other, net	0.5	%	0.8	%
Effective income tax rate	21.8	%	22.1	%

The components of applicable income tax expense for the three months ended March 31, 2022 and 2021 are as follows:

	For the Three Months Ended March 31,
Dollars in thousands	2022		2021
Current
Federal	$	2,326	$	2,675
State	270		385
	2,596		3,060
Deferred
Federal	578		(111)
State	83		(16)
	661		(127)
Total	$	3,257	$	2,933

XML

Revenue Recognition Revenue from Contracts with Customers (Notes)

3 Months Ended

Mar. 31, 2022

Revenue from Contracts with Customers [Abstract]

Revenue from Contracts with Customers

REVENUE FROM CONTRACTS WITH CUSTOMERS

Interest income, loan fees, realized securities gains and losses, bank owned life insurance income and mortgage banking revenue are not in the scope of ASC Topic 606, Revenue from Contracts with Customers. With the exception of gains or losses on sales of foreclosed properties, all of our revenue from contracts with customers in the scope of ASC 606 is recognized within Noninterest Income in the Consolidated Statements of Income. Incremental costs of obtaining a contract are expensed when incurred when the amortization period is one year or less.

The following table illustrates our total non-interest income segregated by revenues within the scope of ASC Topic 606 and those which are within the scope of other ASC Topics: 

	Three Months Ended March 31,
Dollars in thousands	2022		2021
Service fees on deposit accounts	$	1,401	$	1,100
Bank card revenue	1,491		1,341
Trust and wealth management fees	757		638
Other	101		149
Net revenue from contracts with customers	3,750		3,228
Non-interest income within the scope of other ASC topics	795		1,746
Total noninterest income	$	4,545	$	4,974

XML

Fair Value Measurements (Tables)

3 Months Ended

Mar. 31, 2022

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	March 31, 2022		Level 1		Level 2		Level 3
Debt securities available for sale
U.S. Government sponsored agencies	$	33,899	$	—	$	33,899	$	—
Mortgage backed securities:
Government sponsored agencies	57,193		—		57,193		—
Nongovernment sponsored entities	32,280		—		32,280		—
State and political subdivisions	111,949		—		111,949		—
Corporate debt securities	32,366		—		32,366		—
Asset-backed securities	24,077		—		24,077		—
Tax-exempt state and political subdivisions	83,091		—		83,091		—
Total debt securities available for sale	$	374,855	$	—	$	374,855	$	—
Derivative financial assets
Interest rate caps	$	20,953	$	—	$	20,953	$	—
Interest rate swaps	3,502		—		3,502		—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2021		Level 1		Level 2		Level 3
Debt securities available for sale
U.S. Government sponsored agencies	$	36,629	$	—	$	36,629	$	—
Mortgage backed securities:
Government sponsored agencies	62,211		—		62,211		—
Nongovernment sponsored entities	26,586		—		26,586		—
State and political subdivisions	137,786		—		137,786		—
Corporate debt securities	30,278		—		30,278		—
Asset-backed securities	24,883		—		24,883		—
Tax-exempt state and political subdivisions	82,730		—		82,730		—
Total debt securities available for sale	$	401,103	$	—	$	401,103	$	—
Derivative financial assets
Interest rate caps	$	11,187	$	—	$	11,187	$	—
Derivative financial liabilities
Interest rate swaps	$	1,124	$	—	$	1,124	$	—

Fair Value Measurements, Nonrecurring

Assets measured at fair value on a nonrecurring basis are included in the table below.

	Balance at		Fair Value Measurements Using:
Dollars in thousands	March 31, 2022		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	265	$	—	$	265	$	—
Collateral-dependent loans with an ACLL
Commercial real estate	$	3,051	$	—	$	3,051	$	—
Construction and development	350		—		350		—
Residential real estate	337		—		182		155
Total collateral-dependent loans with an ACLL	$	3,738	$	—	$	3,583	$	155
Property held for sale
Commercial real estate	$	1,163	$	—	$	1,163	$	—
Construction and development	5,350		—		5,350		—
Residential real estate	—		—		—		—
Total property held for sale	$	6,513	$	—	$	6,513	$	—

	Balance at		Fair Value Measurements Using:
Dollars in thousands	December 31, 2021		Level 1		Level 2		Level 3
Residential mortgage loans held for sale	$	227	$	—	$	227	$	—
Collateral-dependent loans with an ACLL
Commercial real estate	$	2,417	$	—	$	2,417	$	—
Construction and development	693		—		693		—
Residential real estate	528		—		528		—
Total collateral-dependent loans with an ACLL	$	3,638	$	—	$	3,638	$	—
Property held for sale
Commercial real estate	$	1,170	$	—	$	1,170	$	—
Construction and development	7,893		—		7,893		—
Residential real estate	27		—		27		—
Total property held for sale	$	9,090	$	—	$	9,090	$	—

Fair Value, by Balance Sheet Grouping

The carrying values and estimated fair values of our financial instruments are summarized below:

	March 31, 2022				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	61,257	$	61,257	$	18,404	$	42,853	$	—
Debt securities available for sale	374,855		374,855		—		374,855		—
Debt securities held to maturity	97,589		93,284		—		93,284		—
Equity investments	20,574		20,574		—		20,574		—
Other investments	10,974		10,974		—		10,974		—
Loans held for sale, net	265		265		—		265		—
Loans, net	2,817,998		2,864,756		—		3,583		2,861,173
Accrued interest receivable	11,022		11,022		—		11,022		—
Cash surrender value of life insurance policies and annuities	70,825		70,825		—		70,825		—
Derivative financial assets	24,455		24,455		—		24,455		—
	$	3,489,814	$	3,532,267	$	18,404	$	652,690	$	2,861,173
Financial liabilities
Deposits	$	3,008,063	$	2,893,414	$	—	$	2,893,414	$	—
Short-term borrowings	140,146		140,146		—		140,146		—
Long-term borrowings	674		743		—		743		—
Subordinated debentures	102,997		104,624		—		—		104,624
Subordinated debentures owed to unconsolidated   subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	1,548		1,548		—		1,548		—
	$	3,273,017	$	3,160,064	$	—	$	3,055,440	$	104,624

	December 31, 2021				Fair Value Measurements Using:
Dollars in thousands	Carrying Value		Estimated Fair Value		Level 1		Level 2		Level 3
Financial assets
Cash and cash equivalents	$	78,458	$	78,458	$	21,006	$	57,452	$	—
Debt securities available for sale	401,103		401,103		—		401,103		—
Debt securities held to maturity	98,060		101,242		—		101,242		—
Equity investments	20,202		20,202		—		20,202		—
Other investments	11,304		11,304		—		11,304		—
Loans held for sale, net	227		227		—		227		—
Loans, net	2,729,093		2,726,959		—		3,638		2,723,321
Accrued interest receivable	10,578		10,578		—		10,578		—
Cash surrender value of life insurance policies and annuities	60,613		60,613		—		60,613		—
Derivative financial assets	11,187		11,187		—		11,187		—
	$	3,420,825	$	3,421,873	$	21,006	$	677,546	$	2,723,321
Financial liabilities
Deposits	$	2,943,089	$	2,944,722	$	—	$	2,944,722	$	—
Short-term borrowings	140,146		140,146		—		140,146		—
Long-term borrowings	679		795		—		795		—
Subordinated debentures	102,891		103,623		—		—		103,623
Subordinated debentures owed to unconsolidated   subsidiary trusts	19,589		19,589		—		19,589		—
Accrued interest payable	788		788		—		788		—
Derivative financial liabilities	1,124		1,124		—		1,124		—
	$	3,208,306	$	3,210,787	$	—	$	3,107,164	$	103,623

XML

Earnings Per Share (Tables)

3 Months Ended

Mar. 31, 2022

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The computations of basic and diluted earnings per share follow:

	For the Three Months Ended March 31,
	2022					2021
Dollars in thousands,except per share amounts	Net Income (Numerator)		Common Shares (Denominator)	Per Share		Net Income (Numerator)		Common Shares (Denominator)	Per Share
Net income	$	11,693				$	10,360
Less preferred stock dividends	(225)					—
Basic earnings per share	$	11,468	12,745,297	$	0.90	$	10,360	12,942,099	$	0.80
Effect of dilutive securities:
Stock options			—					4,511
Stock appreciation rights ("SARs")			51,681					49,781
Restricted stock units ("RSUs")			4,925					5,671
Diluted earnings per share	$	11,468	12,801,903	$	0.90	$	10,360	13,002,062	$	0.80

XML

Securities (Tables)

3 Months Ended

Mar. 31, 2022

Debt Securities, Available-for-Sale and Held-to-Maturity, after Allowance for Credit Loss [Abstract]

Summary of Amortized Cost and Fair Value of Available-for-sale Securities

The amortized cost, unrealized gains, unrealized losses and estimated fair values of debt securities available for sale at March 31, 2022 and December 31, 2021 are summarized as follows:

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	34,193	$	131	$	425	$	33,899
Residential mortgage-backed securities:
Government-sponsored agencies	58,521		410		1,738		57,193
Nongovernment-sponsored entities	32,859		18		597		32,280
State and political subdivisions
General obligations	76,033		3		8,876		67,160
Various tax revenues	13,023		8		1,170		11,861
Other revenues	35,490		34		2,596		32,928
Corporate debt securities	32,818		30		482		32,366
Asset-backed securities	24,319		38		280		24,077
Total taxable debt securities	307,256		672		16,164		291,764
Tax-exempt debt securities
State and political subdivisions
General obligations	49,441		375		2,953		46,863
Water and sewer revenues	10,510		76		505		10,081
Lease revenues	7,945		144		232		7,857
Various tax revenues	9,631		21		796		8,856
Other revenues	10,096		56		718		9,434
Total tax-exempt debt securities	87,623		672		5,204		83,091
Total debt securities available for sale	$	394,879	$	1,344	$	21,368	$	374,855

	December 31, 2021
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Available for Sale
Taxable debt securities
U.S. Government and agencies and corporations	$	36,820	$	169	$	360	$	36,629
Residential mortgage-backed securities:
Government-sponsored agencies	61,646		1,153		588		62,211
Nongovernment-sponsored entities	26,839		26		279		26,586
State and political subdivisions
General obligations	78,627		377		1,323		77,681
Water and sewer revenues	9,839		294		—		10,133
Lease revenues	6,401		215		26		6,590
Income tax revenues	6,487		250		3		6,734
Sales tax revenues	6,909		19		99		6,829
Various tax revenues	13,031		218		203		13,046
Utility revenues	7,153		137		130		7,160
Other revenues	9,291		331		9		9,613
Corporate debt securities	30,524		78		324		30,278
Asset-backed securities	24,873		97		87		24,883
Total taxable debt securities	318,440		3,364		3,431		318,373
Tax-exempt debt securities
State and political subdivisions
General obligations	47,583		1,526		270		48,839
Water and sewer revenues	10,618		375		15		10,978
Lease revenues	7,974		553		31		8,496
Other revenues	14,028		405		16		14,417
Total tax-exempt debt securities	80,203		2,859		332		82,730
Total debt securities available for sale	$	398,643	$	6,223	$	3,763	$	401,103

Summary of Volume of State and Political Subdivision Securities Held in Portfolio

We own no such securities of any single issuer which we deem to be a concentration.

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
California	$	47,963	$	71	$	4,832	$	43,202
Texas	23,385		66		2,324		21,127
Pennsylvania	14,101		123		848		13,376
Oregon	14,751		—		1,928		12,823
Washington	12,737		60		851		11,946

Investments Classified by Contractual Maturity Date

The maturities, amortized cost and estimated fair values of debt securities available for sale at March 31, 2022, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	35,137	$	34,887
Due from one to five years	83,090		82,135
Due from five to ten years	58,133		56,755
Due after ten years	218,519		201,078
Total	$	394,879	$	374,855

Schedule of Realized Gain (Loss)

The proceeds from sales, calls and maturities of debt securities available for sale, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the three months ended March 31, 2022 and 2021 are as follows:

	Proceeds from						Gross realized
Dollars in thousands	Sales		Calls and Maturities		Principal Payments		Gains		Losses
For the Three Months Ended   March 31,
2022	$	16,092	$	210	$	8,730	$	97	$	249
2021	$	5,117	$	2,825	$	7,222	$	476	$	—

Schedule of Unrealized Loss on Investments

Provided below is a summary of debt securities available for sale which were in an unrealized loss position at March 31, 2022 and December 31, 2021.

	March 31, 2022
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and corporations	43	$	6,306	$	63	$	21,545	$	362	$	27,851	$	425
Residential mortgage-backed securities:
Government-sponsored agencies	34	30,776		1,505		7,310		233		38,086		1,738
Nongovernment-sponsored entities	10	13,596		388		4,708		209		18,304		597
State and political subdivisions:
General obligations	53	64,626		8,640		1,539		236		66,165		8,876
Various tax revenues	8	8,565		843		1,494		327		10,059		1,170
Other revenues	22	25,515		2,596		—		—		25,515		2,596
Corporate debt securities	17	15,346		364		2,896		118		18,242		482
Asset-backed securities	12	14,888		123		2,653		157		17,541		280
Tax-exempt debt securities
State and political subdivisions:
General obligations	17	30,383		2,917		821		36		31,204		2,953
Water and sewer revenues	6	4,792		505		—		—		4,792		505
Lease revenues	2	3,291		232		—		—		3,291		232
Various tax revenues	5	7,049		782		143		14		7,192		796
Other revenues	4	7,062		718		—		—		7,062		718
Total	233	$	232,195	$	19,676	$	43,109	$	1,692	$	275,304	$	21,368

	December 31, 2021
		Less than 12 months				12 months or more				Total
Dollars in thousands	# of securities in loss position	Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss		Estimated Fair Value		Unrealized Loss
Taxable debt securities
U.S. Government agencies and       corporations	41	$	6,630	$	23	$	21,061	$	337	$	27,691	$	360
Residential mortgage-backed securities:
Government-sponsored agencies	19	19,828		376		6,886		212		26,714		588
Nongovernment-sponsored entities	6	4,345		61		7,591		218		11,936		279
State and political subdivisions:
General obligations	41	62,543		1,286		1,055		37		63,598		1,323
Lease revenues	2	1,564		14		494		12		2,058		26
Income tax revenues	1	721		3		—		—		721		3
Sales tax revenues	2	6,052		99		—		—		6,052		99
Various tax revenues	5	8,389		203		—		—		8,389		203
Utility revenues	3	5,175		130		—		—		5,175		130
Other revenues	1	744		9		—		—		744		9
Corporate debt securities	10	10,534		314		990		10		11,524		324
Asset-backed securities	8	10,522		86		751		1		11,273		87
Tax-exempt debt securities
State and political subdivisions:
General obligations	13	25,555		261		853		9		26,408		270
Water and sewer revenues	1	904		15		—		—		904		15
Lease revenues	1	2,396		31		—		—		2,396		31
Other revenues	3	3,558		15		156		1		3,714		16
Total	157	$	169,460	$	2,926	$	39,837	$	837	$	209,297	$	3,763

Debt Securities, Held-to-maturity

The amortized cost, unrealized gains, unrealized losses and estimated fair values of debt securities held to maturity at March 31, 2022 and December 31, 2021 are summarized as follows:

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Held to Maturity
Tax-exempt debt securities
State and political subdivisions
General obligations	$	71,458	$	—	$	2,834	$	68,624
Water and sewer revenues	8,146		—		300		7,846
Lease revenues	4,295		—		314		3,981
Sales tax revenues	4,566		—		282		4,284
Various tax revenues	5,574		—		458		5,116
Other revenues	3,550		—		117		3,433
Total debt securities held to maturity	$	97,589	$	—	$	4,305	$	93,284

	December 31, 2021
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Debt Securities Held to Maturity
Tax-exempt debt securities
State and political subdivisions
General obligations	$	71,807	$	2,583	$	—	$	74,390
Water and sewer revenues	8,192		210		—		8,402
Lease revenues	4,316		74		—		4,390
Sales tax revenues	4,582		106		—		4,688
Other revenues	9,163		214		5		9,372
Total debt securities held to maturity	$	98,060	$	3,187	$	5	$	101,242

Summary Of Volume of State and Political Subdivision Securities Held to Maturity

The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our held to maturity portfolio are located.  We own no such securities of any single issuer which we deem to be a concentration.

	March 31, 2022
	Amortized		Unrealized				Estimated
Dollars in thousands	Cost		Gains		Losses		Fair Value
Texas	$	15,326	$	—	$	498	$	14,828
California	9,823		—		357		9,466
Pennsylvania	8,596		—		281		8,315
Florida	7,563		—		406		7,157
Michigan	7,001		—		365		6,636

Held to Maturity Investments Classified by Contractual Maturity Date

The maturities, amortized cost and estimated fair values of held to maturity debt securities at March 31, 2022, are summarized as follows:

Dollars in thousands	Amortized Cost		Estimated Fair Value
Due in one year or less	$	—	$	—
Due from one to five years	—		—
Due from five to ten years	2,858		2,691
Due after ten years	94,731		90,593
Total	$	97,589	$	93,284

Debt Securities Held to Maturity by Credit Rating

The following table displays the amortized cost of held to maturity debt securities by credit rating at March 31, 2022 and December 31, 2021.

	March 31, 2022
Dollars in thousands	AAA		AA		A		BBB		Below Investment Grade
Tax-exempt state and political subdivisions	$	13,024	$	77,101	$	7,464	$	—	$	—
	December 31, 2021
Dollars in thousands	AAA		AA		A		BBB		Below Investment Grade
Tax-exempt state and political subdivisions	$	15,450	$	75,119	$	7,491	$	—	$	—

XML

Loans (Tables)

3 Months Ended

Mar. 31, 2022

Loans and Leases Receivable Disclosure [Abstract]

Summary of Loans, Net of Unearned Fees

The following table presents the amortized cost of loans held for investment:

Dollars in thousands	March 31, 2022		December 31, 2021
Commercial	$	447,482	$	365,301
Commercial real estate - owner occupied
Professional & medical	148,502		150,759
Retail	189,003		190,304
Other	153,779		143,645
Commercial real estate - non-owner occupied
Hotels & motels	143,082		128,450
Mini-storage	54,083		59,045
Multifamily	272,113		233,157
Retail	172,598		162,758
Other	268,072		282,621
Construction and development
Land & land development	103,203		100,805
Construction	171,384		146,038
Residential 1-4 family real estate
Personal residence	256,872		262,805
Rental - small loan	118,368		121,989
Rental - large loan	81,443		79,108
Home equity	70,770		72,112
Mortgage warehouse lines	164,896		227,869
Consumer	32,095		31,923
Other
Credit cards	1,991		1,891
Overdrafts	885		811
Total loans, net of unearned fees	2,850,621		2,761,391
Less allowance for credit losses - loans	32,623		32,298
Loans, net	$	2,817,998	$	2,729,093

Allowance for Credit Losses on Financing Receivables

The following tables presents the activity in the ACLL by portfolio segment during the three months ended March 31, 2022 and the twelve months ended December 31, 2021:

	For the Three Months Ended March 31, 2022
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	3,218	$	992	$	(202)	$	3	$	4,011
Commercial real estate - owner occupied
Professional & medical	1,092		59		—		—		1,151
Retail	1,362		(28)		—		—		1,334
Other	575		(180)		—		—		395
Commercial real estate - non-owner occupied
Hotels & motels	2,532		(1,332)		—		—		1,200
Mini-storage	133		(13)		—		—		120
Multifamily	1,821		236		—		1		2,058
Retail	1,074		476		—		—		1,550
Other	1,820		135		—		3		1,958
Construction and development
Land & land development	3,468		(16)		—		4		3,456
Construction	6,346		1,032		—		—		7,378
Residential 1-4 family real estate
Personal residence	2,765		(36)		(53)		20		2,696
Rental - small loan	2,834		(469)		(83)		8		2,290
Rental - large loan	2,374		(181)		—		—		2,193
Home equity	497		(51)		(8)		4		442
Mortgage warehouse lines	—		—		—		—		—
Consumer	163		14		(55)		25		147
Other
Credit cards	17		(1)		—		2		18
Overdrafts	207		196		(216)		39		226
Total	$	32,298	$	833	$	(617)	$	109	$	32,623

	For the Twelve Months Ended December 31, 2021
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	2,304	$	1,112	$	—	$	(222)	$	24	$	3,218
Commercial real estate - owner occupied
Professional & medical	954		71		71		(4)		—		1,092
Retail	3,173		(1,812)		—		—		1		1,362
Other	610		(35)		—		—		—		575
Commercial real estate - non-owner occupied
Hotels & motels	2,135		397		—		—		—		2,532
Mini-storage	337		(204)		—		—		—		133
Multifamily	1,547		265		—		—		9		1,821
Retail	981		93		—		—		—		1,074
Other	1,104		947		—		(233)		2		1,820
Construction and development
Land & land development	4,084		(628)		—		—		12		3,468
Construction	4,648		1,698		—		—		—		6,346
Residential 1-4 family real estate
Personal residence	3,559		(548)		—		(365)		119		2,765
Rental - small loan	2,736		177		20		(189)		90		2,834
Rental - large loan	3,007		(633)		—		—		—		2,374
Home equity	713		(206)		—		(26)		16		497
Mortgage warehouse lines	—		—		—		—		—		—
Consumer	216		(44)		—		(131)		122		163
Other
Credit cards	17		10		—		(16)		6		17
Overdrafts	121		255		—		(321)		152		207
Total	$	32,246	$	915	$	91	$	(1,507)	$	553	$	32,298

Impaired Financing Receivables

The following tables presents, as of March 31, 2022 and December 31, 2021 segregated by loan portfolio segment, details of the loan portfolio and the ACLL calculated in accordance with our credit loss accounting methodology for loans described above.

	March 31, 2022
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	168	$	447,314	$	447,482	$	—	$	4,011	$	4,011
Commercial real estate - owner occupied
Professional & medical	2,050		146,452		148,502		235		916		1,151
Retail	5,569		183,434		189,003		—		1,334		1,334
Other	—		153,779		153,779		—		395		395
Commercial real estate - non-owner occupied
Hotels & motels	3,036		140,046		143,082		—		1,200		1,200
Mini-storage	—		54,083		54,083		—		120		120
Multifamily	—		272,113		272,113		—		2,058		2,058
Retail	3,109		169,489		172,598		105		1,445		1,550
Other	5,663		262,409		268,072		308		1,650		1,958
Construction and development
Land & land development	1,540		101,663		103,203		613		2,843		3,456
Construction	—		171,384		171,384		—		7,378		7,378
Residential 1-4 family real estate
Personal residence	—		256,872		256,872		—		2,696		2,696
Rental - small loan	1,444		116,924		118,368		417		1,873		2,290
Rental - large loan	3,129		78,314		81,443		—		2,193		2,193
Home equity	473		70,297		70,770		—		442		442
Mortgage warehouse lines	—		164,896		164,896		—		—		—
Consumer	3		32,092		32,095		—		147		147
Other
Credit cards	—		1,991		1,991		—		18		18
Overdrafts	—		885		885		—		226		226
Total	$	26,184	$	2,824,437	$	2,850,621	$	1,678	$	30,945	$	32,623

(1) Included in the loans collectively evaluated are $15.1 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

	December 31, 2021
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	177	$	365,124	$	365,301	$	—	$	3,218	$	3,218
Commercial real estate - owner occupied
Professional & medical	2,073		148,686		150,759		199		893		1,092
Retail	5,559		184,745		190,304		—		1,362		1,362
Other	—		143,645		143,645		—		575		575
Commercial real estate - non-owner occupied
Hotels & motels	3,085		125,365		128,450		669		1,863		2,532
Mini-storage	1,058		57,987		59,045		—		133		133
Multifamily	—		233,157		233,157		—		1,821		1,821
Retail	2,693		160,065		162,758		—		1,074		1,074
Other	5,726		276,895		282,621		69		1,751		1,820
Construction and development
Land & land development	2,004		98,801		100,805		723		2,745		3,468
Construction	—		146,038		146,038		—		6,346		6,346
Residential 1-4 family real estate
Personal residence	—		262,805		262,805		—		2,765		2,765
Rental - small loan	1,463		120,526		121,989		436		2,398		2,834
Rental - large loan	3,162		75,946		79,108		—		2,374		2,374
Home equity	523		71,589		72,112		—		497		497
Mortgage warehouse lines	—		227,869		227,869		—		—		—
Consumer	—		31,923		31,923		—		163		163
Other
Credit cards	—		1,891		1,891		—		17		17
Overdrafts	—		811		811		—		207		207
Total	$	27,523	$	2,733,868	$	2,761,391	$	2,096	$	30,202	$	32,298

(1) Included in the loans collectively evaluated are $19.8 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

Collateral Dependent Financing Receivables And Allowance For Credit Losses on Collateral Dependent Financing Receivables [Table Text Block]

The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACLL allocated to those loans:

	March 31, 2022
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	168	$	168	$	—
Commercial real estate - owner occupied
Professional & medical	2,050		—		2,050		235
Retail	5,569		—		5,569		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,036		—		3,036		—
Mini-storage	—		—		—		—
Multifamily	—		—		—		—
Retail	3,109		—		3,109		105
Other	5,663		—		5,663		308
Construction and development
Land & land development	1,540		—		1,540		613
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,444		—		1,444		417
Rental - large loan	3,129		—		3,129		—
Home equity	473		—		473		—
Consumer	—		3		3		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	26,013	$	171	$	26,184	$	1,678

	December 31, 2021
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	177	$	177	$	—
Commercial real estate - owner occupied
Professional & medical	2,073		—		2,073		199
Retail	5,559		—		5,559		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,085		—		3,085		669
Mini-storage	1,058		—		1,058		—
Multifamily	—		—		—		—
Retail	2,693		—		2,693		—
Other	5,726		—		5,726		69
Construction and development
Land & land development	2,004		—		2,004		723
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,463		—		1,463		436
Rental - large loan	3,162		—		3,162		—
Home equity	523		—		523		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	27,346	$	177	$	27,523	$	2,096

Schedule of Contractual Aging of Recorded Investment In Past Due Loans By Class

The following table presents the contractual aging of the amortized cost basis of past due loans by class as of March 31, 2022 and December 31, 2021.

	At March 31, 2022
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	395	$	17	$	151	$	563	$	446,919	$	—
Commercial real estate - owner occupied
Professional & medical	46		—		—		46		148,456		—
Retail	—		676		405		1,081		187,922		—
Other	326		—		—		326		153,453		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		143,082		—
Mini-storage	1		—		—		1		54,082		—
Multifamily	—		—		53		53		272,060		—
Retail	65		—		261		326		172,272		—
Other	—		331		—		331		267,741		—
Construction and development
Land & land development	646		—		968		1,614		101,589		—
Construction	—		—		—		—		171,384		—
Residential 1-4 family real estate
Personal residence	2,793		1,089		1,457		5,339		251,533		—
Rental - small loan	569		33		620		1,222		117,146		—
Rental - large loan	—		—		—		—		81,443		—
Home equity	36		42		115		193		70,577		—
Mortgage warehouse lines	—		—		—		—		164,896		—
Consumer	53		17		—		70		32,025		—
Other
Credit cards	16		12		19		47		1,944		19
Overdrafts	—		—		—		—		885		—
Total	$	4,946	$	2,217	$	4,049	$	11,212	$	2,839,409	$	19

	At December 31, 2021
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	736	$	15	$	613	$	1,364	$	363,937	$	—
Commercial real estate - owner occupied
Professional & medical	409		—		—		409		150,350		—
Retail	—		405		144		549		189,755		—
Other	208		—		150		358		143,287		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		128,450		—
Mini-storage	2		—		—		2		59,043		—
Multifamily	—		—		55		55		233,102		—
Retail	66		—		338		404		162,354		—
Other	—		—		—		—		282,621		—
Construction and development
Land & land development	38		7		962		1,007		99,798		—
Construction	—		—		—		—		146,038		—
Residential 1-4 family real estate
Personal residence	2,283		1,211		1,384		4,878		257,927		—
Rental - small loan	429		247		1,093		1,769		120,220		—
Rental - large loan	—		—		—		—		79,108		—
Home equity	236		80		175		491		71,621		—
Mortgage warehouse lines	—		—		—		—		227,869		—
Consumer	98		101		7		206		31,717		—
Other
Credit cards	12		10		4		26		1,865		4
Overdrafts	—		—		—		—		811		—
Total	$	4,517	$	2,076	$	4,925	$	11,518	$	2,749,873	$	4

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at March 31, 2022 and December 31, 2021.

	March 31,				December 31,
	2022				2021
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	433	$	105	$	740	$	96
Commercial real estate - owner occupied
Professional & medical	—		—		—		—
Retail	622		—		775		—
Other	337		—		341		—
Commercial real estate - non-owner occupied
Hotels & motels	3,036		3,036		3,085		—
Mini-storage	—		—		—		—
Multifamily	52		—		55		—
Retail	710		—		338		—
Other	8		—		9		—
Construction and development
Land & land development	968		—		1,560		—
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	2,655		—		2,504		—
Rental - small loan	2,779		—		3,094		—
Rental - large loan	—		—		—		—
Home equity	115		—		174		—
Mortgage warehouse lines	—		—		—		—
Consumer	1		—		17		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	11,716	$	3,141	$	12,692	$	96

Financing Receivable Credit Quality Indicators

As of March 31, 2022 and December 31, 2021, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:

	March 31, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	51,438	$	113,621	$	32,878	$	24,917	$	4,735	$	21,969	$	193,884	$	—	$	443,442
	Special Mention	—		923		278		66		37		205		1,954		—		3,463
	Substandard	30		171		31		105		41		11		188		—		577
Total Commercial		51,468		114,715		33,187		25,088		4,813		22,185		196,026		—		447,482
Commercial Real Estate    - Owner Occupied

	March 31, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Professional & medical	Pass	2,317	72,236	10,866	6,933	4,439	47,269	2,771	—	146,831
	Special Mention	—	—	1,141	—	—	243	—	—	1,384
	Substandard	—	—	72	—	—	215	—	—	287
Total Professional & Medical		2,317	72,236	12,079	6,933	4,439	47,727	2,771	—	148,502
Retail	Pass	3,474	77,537	29,354	30,578	8,683	33,463	2,641	—	185,730
	Special Mention	—	—	—	—	—	1,328	—	—	1,328
	Substandard	—	—	—	1,323	—	622	—	—	1,945
Total Retail		3,474	77,537	29,354	31,901	8,683	35,413	2,641	—	189,003
Other	Pass	5,738	35,259	34,086	13,047	15,920	44,747	4,009	—	152,806
	Special Mention	—	58	—	—	—	578	—	—	636
	Substandard	—	—	—	—	—	300	37	—	337
Total Other		5,738	35,317	34,086	13,047	15,920	45,625	4,046	—	153,779
Total Commercial Real Estate -    Owner Occupied		11,529	185,090	75,519	51,881	29,042	128,765	9,458	—	491,284
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	24,593	1,726	3,283	32,985	15,874	22,081	2,772	—	103,314
	Special Mention	—	—	—	36,733	—	—	—	—	36,733
	Substandard	—	—	2,787	—	—	248	—	—	3,035
Total Hotels & Motels		24,593	1,726	6,070	69,718	15,874	22,329	2,772	—	143,082
Mini-storage	Pass	958	13,406	8,291	3,987	14,055	13,340	—	—	54,037
	Special Mention	—	—	—	—	—	46	—	—	46
	Substandard	—	—	—	—	—	—	—	—	—
Total Mini-storage		958	13,406	8,291	3,987	14,055	13,386	—	—	54,083
Multifamily	Pass	33,082	60,824	39,668	51,632	23,493	59,332	3,728	—	271,759
	Special Mention	—	—	91	—	—	41	169	—	301
	Substandard	—	—	—	—	—	53	—	—	53
Total Multifamily		33,082	60,824	39,759	51,632	23,493	59,426	3,897	—	272,113
Retail	Pass	18,879	52,270	41,795	13,845	7,502	30,073	6,573	—	170,937
	Special Mention	—	—	—	—	—	951	—	—	951
	Substandard	—	—	—	—	—	710	—	—	710
Total Retail		18,879	52,270	41,795	13,845	7,502	31,734	6,573	—	172,598
Other	Pass	11,369	107,343	64,889	14,145	6,818	57,798	2,227	—	264,589
	Special Mention	—	—	—	—	570	—	—	—	570
	Substandard	—	—	—	—	—	2,913	—	—	2,913
Total Other		11,369	107,343	64,889	14,145	7,388	60,711	2,227	—	268,072
Total Commercial Real Estate -    Non-Owner Occupied		88,881	235,569	160,804	153,327	68,312	187,586	15,469	—	909,948

	March 31, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Construction and Development
Land & land development	Pass	10,423	24,715	11,231	20,051	5,379	23,094	5,878	—	100,771
	Special Mention	—	—	153	115	—	576	—	—	844
	Substandard	—	—	—	—	—	1,588	—	—	1,588
Total Land & land development		10,423	24,715	11,384	20,166	5,379	25,258	5,878	—	103,203
Construction	Pass	24,875	67,427	68,031	317	1,394	—	8,841	—	170,885
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	328	171	—	—	499
Total Construction		24,875	67,427	68,031	317	1,722	171	8,841	—	171,384
Total Construction and    Development		35,298	92,142	79,415	20,483	7,101	25,429	14,719	—	274,587
Residential 1-4 Family Real Estate
Personal residence	Pass	9,497	37,446	33,363	17,822	18,050	120,774	—	—	236,952
	Special Mention	1	—	—	182	62	9,825	—	—	10,070
	Substandard	—	—	—	527	843	8,480	—	—	9,850
Total Personal Residence		9,498	37,446	33,363	18,531	18,955	139,079	—	—	256,872
Rental - small loan	Pass	5,795	29,557	13,154	12,975	9,862	36,200	4,483	—	112,026
	Special Mention	—	228	106	—	—	1,482	—	—	1,816
	Substandard	—	—	58	181	406	3,749	132	—	4,526
Total Rental - Small Loan		5,795	29,785	13,318	13,156	10,268	41,431	4,615	—	118,368
Rental - large loan	Pass	4,166	37,401	12,481	5,529	4,373	12,756	1,195	—	77,901
	Special Mention	—	—	—	—	—	28	—	—	28
	Substandard	—	—	—	—	—	3,514	—	—	3,514
Total Rental - Large Loan		4,166	37,401	12,481	5,529	4,373	16,298	1,195	—	81,443
Home equity	Pass	198	117	101	11	27	1,378	66,808	—	68,640
	Special Mention	—	—	—	—	—	92	1,392	—	1,484
	Substandard	—	—	—	—	—	389	257	—	646
Total Home Equity		198	117	101	11	27	1,859	68,457	—	70,770
Total Residential 1-4 Family Real    Estate		19,657	104,749	59,263	37,227	33,623	198,667	74,267	—	527,453
Mortgage warehouse lines	Pass	—	—	—	—	—	—	164,896	—	164,896
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	—	—	—	—	—
Total Mortgage Warehouse Lines		—	—	—	—	—	—	164,896	—	164,896
Consumer	Pass	4,593	12,289	5,218	3,502	1,381	1,971	943	—	29,897
	Special Mention	381	695	368	169	46	129	11	—	1,799

	March 31, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
	Substandard	157		110		65		26		8		5		28		—		399
Total Consumer		5,131		13,094		5,651		3,697		1,435		2,105		982		—		32,095
Other
Credit cards	Pass	1,991		—		—		—		—		—		—		—		1,991
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Credit Cards		1,991		—		—		—		—		—		—		—		1,991
Overdrafts	Pass	885		—		—		—		—		—		—		—		885
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Overdrafts		885		—		—		—		—		—		—		—		885
Total Other		2,876		—		—		—		—		—		—		—		2,876
Total		$	214,840	$	745,359	$	413,839	$	291,703	$	144,326	$	564,737	$	475,817	$	—	$	2,850,621

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	123,890	$	36,339	$	31,116	$	5,549	$	8,831	$	14,061	$	141,003	$	—	$	360,789
	Special Mention	693		279		69		41		60		539		1,984		—		3,665
	Substandard	135		45		110		48		18		7		484		—		847
Total Commercial		124,718		36,663		31,295		5,638		8,909		14,607		143,471		—		365,301
Commercial Real Estate    - Owner Occupied
Professional & medical	Pass	72,417		11,869		7,046		4,595		22,939		27,905		2,366		—		149,137
	Special Mention	—		1,146		—		—		—		187		—		—		1,333
	Substandard	—		72		—		—		217		—		—		—		289
Total Professional & Medical		72,417		13,087		7,046		4,595		23,156		28,092		2,366		—		150,759
Retail	Pass	78,780		29,749		33,114		8,813		9,318		25,296		2,464		—		187,534
	Special Mention	—		—		—		—		—		671		—		—		671
	Substandard	—		—		1,324		—		549		226		—		—		2,099
Total Retail		78,780		29,749		34,438		8,813		9,867		26,193		2,464		—		190,304
Other	Pass	32,805		30,897		13,216		16,716		7,501		38,796		2,782		—		142,713
	Special Mention	59		—		—		—		—		532		—		—		591
	Substandard	—		—		—		—		—		303		38		—		341
Total Other		32,864		30,897		13,216		16,716		7,501		39,631		2,820		—		143,645
Total Commercial Real Estate -    Owner Occupied		184,061		73,733		54,700		30,124		40,524		93,916		7,650		—		484,708

	December 31, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	1,736	3,313	32,634	15,949	6,953	20,308	7,531	—	88,424
	Special Mention	—	—	36,941	—	—	—	—	—	36,941
	Substandard	—	2,830	—	—	—	255	—	—	3,085
Total Hotels & Motels		1,736	6,143	69,575	15,949	6,953	20,563	7,531	—	128,450
Mini-storage	Pass	13,294	7,641	9,218	14,209	4,506	10,109	21	—	58,998
	Special Mention	—	—	—	—	—	47	—	—	47
	Substandard	—	—	—	—	—	—	—	—	—
Total Mini-storage		13,294	7,641	9,218	14,209	4,506	10,156	21	—	59,045
Multifamily	Pass	55,367	39,105	45,016	23,665	14,629	51,155	3,372	—	232,309
	Special Mention	—	582	—	—	—	43	169	—	794
	Substandard	—	—	—	—	—	54	—	—	54
Total Multifamily		55,367	39,687	45,016	23,665	14,629	51,252	3,541	—	233,157
Retail	Pass	52,533	42,177	20,763	7,653	6,778	24,958	6,586	—	161,448
	Special Mention	—	—	—	—	—	972	—	—	972
	Substandard	—	—	—	—	—	338	—	—	338
Total Retail		52,533	42,177	20,763	7,653	6,778	26,268	6,586	—	162,758
Other	Pass	107,962	82,846	14,211	8,443	11,421	51,587	2,620	—	279,090
	Special Mention	—	—	—	572	—	—	—	—	572
	Substandard	—	—	—	—	—	2,959	—	—	2,959
Total Other		107,962	82,846	14,211	9,015	11,421	54,546	2,620	—	282,621
Total Commercial Real Estate -    Non-Owner Occupied		230,892	178,494	158,783	70,491	44,287	162,785	20,299	—	866,031
Construction and Development
Land & land development	Pass	26,671	14,050	20,275	5,627	2,927	21,875	6,721	—	98,146
	Special Mention	—	155	117	—	—	591	—	—	863
	Substandard	—	—	—	—	—	1,796	—	—	1,796
Total Land & land development		26,671	14,205	20,392	5,627	2,927	24,262	6,721	—	100,805
Construction	Pass	64,352	64,022	7,438	1,407	—	—	8,320	—	145,539
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	329	—	170	—	—	499
Total Construction		64,352	64,022	7,438	1,736	—	170	8,320	—	146,038
Total Construction and    Development		91,023	78,227	27,830	7,363	2,927	24,432	15,041	—	246,843
Residential 1-4 Family Real Estate

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Personal residence	Pass	39,637		34,962		18,974		18,784		14,597		115,384		—		—		242,338
	Special Mention	—		—		184		62		534		10,377		—		—		11,157
	Substandard	—		—		475		847		456		7,532		—		—		9,310
Total Personal Residence		39,637		34,962		19,633		19,693		15,587		133,293		—		—		262,805
Rental - small loan	Pass	30,342		13,990		14,093		11,524		6,567		33,936		4,630		—		115,082
	Special Mention	229		107		57		250		1		1,579		9		—		2,232
	Substandard	—		132		133		374		513		3,388		135		—		4,675
Total Rental - Small Loan		30,571		14,229		14,283		12,148		7,081		38,903		4,774		—		121,989
Rental - large loan	Pass	34,558		14,069		5,971		5,283		2,790		11,776		1,078		—		75,525
	Special Mention	—		—		—		—		—		29		—		—		29
	Substandard	—		—		—		—		—		3,554		—		—		3,554
Total Rental - Large Loan		34,558		14,069		5,971		5,283		2,790		15,359		1,078		—		79,108
Home equity	Pass	27		115		11		50		78		1,380		68,293		—		69,954
	Special Mention	—		—		—		—		—		94		1,399		—		1,493
	Substandard	—		—		—		—		—		407		258		—		665
Total Home Equity		27		115		11		50		78		1,881		69,950		—		72,112
Total Residential 1-4 Family Real    Estate		104,793		63,375		39,898		37,174		25,536		189,436		75,802		—		536,014
Mortgage warehouse lines	Pass	—		—		—		—		—		—		227,869		—		227,869
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Mortgage Warehouse Lines		—		—		—		—		—		—		227,869		—		227,869
Consumer	Pass	14,134		6,333		4,444		1,767		540		1,691		902		—		29,811
	Special Mention	904		381		210		66		87		53		11		—		1,712
	Substandard	199		96		40		11		3		22		29		—		400
Total Consumer		15,237		6,810		4,694		1,844		630		1,766		942		—		31,923
Other
Credit cards	Pass	1,891		—		—		—		—		—		—		—		1,891
Total Credit Cards		1,891		—		—		—		—		—		—		—		1,891
Overdrafts	Pass	811		—		—		—		—		—		—		—		811
Total Overdrafts		811		—		—		—		—		—		—		—		811
Total Other		2,702		—		—		—		—		—		—		—		2,702
Total		$	753,426	$	437,302	$	317,200	$	152,634	$	122,813	$	486,942	$	491,074	$	—	$	2,761,391

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

The following table presents by class the TDRs that were restructured during the three months ended March 31, 2022 and March 31, 2021. Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  TDRs are evaluated individually for allowance for credit loss purposes if the loan balance exceeds $500,000, otherwise, smaller balance TDR loans are included in the pools to determine ACLL.

	For the Three Months Ended   March 31, 2022					For the Three Months Ended   March 31, 2021
Dollars in thousands	Number of Modifications	Pre- modification Recorded Investment		Post- modification Recorded Investment		Number of Modifications		Pre- modification Recorded Investment		Post- modification Recorded Investment
Residential 1-4 family real estate
Personal residence	6	$	335	$	335	—		$	—	$	—
Total	6	$	335	335		$	—	$	—	$	—

Schedule of Defaults During Stated Period of Trouble Debt Restructurings

The following tables present defaults during the stated period of TDRs that were restructured during the prior 12 months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   March 31, 2022			For the Three Months Ended   March 31, 2021
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Residential 1-4 family real estate
Personal residence	4	$	315	1	$	48
Rental - small loan	—	—		1	399
Total	4	$	315	2	$	447

XML

Goodwill And Other Intangible Assets (Tables)

3 Months Ended

Mar. 31, 2022

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The following tables present our goodwill activity for the quarter ending March 31, 2022 and the balance of other intangible assets at March 31, 2022 and December 31, 2021.

Dollars in thousands	Goodwill Activity
Balance, January 1, 2022	$	55,347
Reclassifications from goodwill	—
Acquired goodwill	—
Balance, March 31, 2022	$	55,347

Summary of Other Intangible Assets

	Other Intangible Assets
Dollars in thousands	March 31, 2022		December 31, 2021
Identifiable intangible assets
Gross carrying amount	$	15,828	$	15,828
Less: accumulated amortization	7,963		7,585
Net carrying amount	$	7,865	$	8,243

Finite-lived Intangible Assets Amortization Expense

Amortization relative to our identifiable intangible assets is expected to approximate the following during the next five years and thereafter:

	Core Deposit
Dollars in thousands	Intangible
Nine month period ending December 31, 2022	$	1,063
Year ending December 31, 2023	1,299
Year ending December 31, 2024	1,158
Year ending December 31, 2025	1,019
Year ending December 31, 2026	878
Thereafter	2,378

XML

Borrowed Funds (Tables)

3 Months Ended

Mar. 31, 2022

Debt Disclosure [Abstract]

Schedule of Short-term Debt

Short-term borrowings:    Federal funds purchased mature the next business day and totaled $146,000 at March 31, 2022 and December 31, 2021. A summary of short-term FHLB advancecs is presented below:

	Three Months Ended March 31,
	2022			2021
Dollars in thousands	Short-term FHLB Advances
Balance at March 31	$	140,000		$	140,000
Average balance outstanding for the period	140,084			140,000
Maximum balance outstanding at any month end during period	140,000			140,000
Weighted average interest rate for the period	0.41		%	0.37		%
Weighted average interest rate for balances
outstanding at March 31	0.47		%	0.38		%

	Year Ended December 31, 2021
Dollars in thousands	Short-term FHLB Advances
Balance at December 31	$	140,000
Average balance outstanding for the period	140,000
Maximum balance outstanding at any month end     during period	140,000
Weighted average interest rate for the period	0.33		%
Weighted average interest rate for balances
outstanding at December 31	0.26		%

Schedule of Maturities of Long-term Debt

A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:

Dollars in thousands		Long-term borrowings		Subordinated debentures		Subordinated debentures owed to unconsolidated subsidiary trusts
Year Ending December 31,	2022	$	16	$	—	$	—
	2023	22		—		—
	2024	23		—		—
	2025	24		—		—
	2026	589		—		—
	Thereafter	—		105,000		19,589
		$	674	$	105,000	$	19,589

XML

Share Based Compensation (Tables)

3 Months Ended

Mar. 31, 2022

Share-based Payment Arrangement [Abstract]

Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions

The assumptions used to value SARs granted in 2021 are as follows:

	2021 grant with 7 year expiration		2021 grant with 5 year expiration
Risk-free interest rate	1.06	%	0.74	%
Expected dividend yield	3.00	%	3.00	%
Expected common stock volatility	55.59	%	55.59	%
Expected life	7 years		5.5 years

Share-based Payment Arrangement, Option, Activity

A summary of our SAR and stock option activity during the first three months of 2022 and 2021 is as follows:

	For the Three Months Ended March 31,
	2022
	Options/SARs	Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	491,792				$	21.32
Granted	—				—
Exercised	(700)				12.01
Forfeited	—				—
Expired	—				—
Outstanding, March 31	491,092	$	—	6.78	$	21.33
Exercisable, March 31	244,557	$	1,363	4.92	$	20.15

	For the Three Months Ended March 31,
	2021
	Options/SARs	Aggregate Intrinsic Value (in thousands)		Remaining Contractual Term (Yrs.)	Weighted-Average Exercise Price
Outstanding, January 1	329,203				$	20.47
Granted	—				—
Exercised	(800)				12.01
Forfeited	—				—
Expired	—				—
Outstanding, March 31	328,403	$	1,989	6.10	$	20.49
Exercisable, March 31	218,216	$	1,751	5.43	$	18.53

Share-based Payment Arrangement, Restricted Stock Unit, Activity

	RSUs	Weighted Average Grant Date Fair Value
Nonvested, December 31, 2021	13,015	$	21.24
Granted	—	—
Forfeited	—	—
Vested	(1,846)	27.09
Nonvested, March 31, 2022	11,169	$	20.28

	RSUs	Weighted Average Grant Date Fair Value
Nonvested, December 31, 2020	15,686	$	20.40
Granted	—	—
Forfeited	—	—
Vested	—	—
Nonvested, March 31, 2021	15,686	$	20.40

XML

Commitments And Contingencies (Tables)

3 Months Ended

Mar. 31, 2022

Commitments and Contingencies Disclosure [Abstract]

Summary of the Total Unfunded, or Off-Balance Sheet, Credit Extension Commitments

A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:

Dollars in thousands	March 31, 2022
Commitments to extend credit:
Revolving home equity and credit card lines	$	99,419
Construction loans	296,068
Other loans	422,148
Standby letters of credit	23,070
Total	$	840,705

XML

Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2022

Banking Regulation, Total Capital [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following tables present Summit's, as well as Summit Community's, actual and required minimum regulatory capital amounts and ratios as of March 31, 2022 and December 31, 2021.

Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended.

	Actual				Minimum Required Capital - Basel III				Minimum Required To Be Well Capitalized
Dollars in thousands	Amount		Ratio		Amount		Ratio		Amount	Ratio
As of March 31, 2022
CET1 (to risk weighted assets)
Summit	$	264,327	8.2	%	$	225,645	7.0		N/A	N/A
Summit Community	370,527		11.6	%	223,594		7.0	%	207,623	6.5	%
Tier I Capital (to risk weighted assets)
Summit	298,247		9.3	%	272,591		8.5		N/A	N/A
Summit Community	370,527		11.6	%	271,507		8.5	%	255,536	8.0	%
Total Capital (to risk weighted assets)
Summit	432,110		13.5	%	336,086		10.5		N/A	N/A
Summit Community	401,393		12.5	%	337,170		10.5	%	321,114	10.0	%
Tier I Capital (to average assets)
Summit	298,247		8.4	%	142,022		4.0		N/A	N/A
Summit Community	370,527		10.5	%	141,153		4.0	%	176,441	5.0	%

	Actual			Minimum Required Capital - Basel III			Minimum Required To Be Well Capitalized
Dollars in thousands	Amount	Ratio		Amount	Ratio		Amount	Ratio
As of December 31, 2021
CET1 (to risk weighted assets)
Summit	257,122	8.4	%	214,268	7.0	%	N/A	N/A
Summit Community	364,125	11.9	%	214,191	7.0	%	198,892	6.5	%
Tier I Capital (to risk weighted assets)
Summit	291,042	9.5	%	260,406	8.5	%	N/A	N/A
Summit Community	364,125	11.9	%	260,089	8.5	%	244,790	8.0	%
Total Capital (to risk weighted assets)
Summit	420,045	13.8	%	319,599	10.5	%	N/A	N/A
Summit Community	390,236	12.8	%	320,115	10.5	%	304,872	10.0	%
Tier I Capital (to average assets)
Summit	291,042	8.3	%	140,261	4.0	%	N/A	N/A
Summit Community	364,125	10.4	%	140,048	4.0	%	175,060	5.0	%

XML

Derivative Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2022

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Interest Rate Derivatives

A summary of our derivative financial instruments as of March 31, 2022 and December 31, 2021 follows:

	March 31, 2022
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	40,000	$	1,078	$	—	$	—
Interest rate cap hedging:
Short term borrowings	$	100,000	$	14,244	$	—	$	—
Indexed interest bearing demand deposit accounts	100,000		6,709		—		—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	17,383	$	235	$	—	$	—
Available for sale taxable municipal securities	71,245		2,189		—		(6)

	December 31, 2021
	Notional Amount		Derivative Fair Value				Net Ineffective
Dollars in thousands			Asset		Liability		Hedge Gains/(Losses)
CASH FLOW HEDGES
Pay-fixed/receive-variable interest rate swaps
Short term borrowings	$	40,000	$	—	$	83	$	—
Interest rate cap hedging:
Short term borrowings	$	100,000	$	8,336	$	—	$	—
Indexed interest bearing demand deposit accounts	100,000		2,851		—		—
FAIR VALUE HEDGES
Pay-fixed/receive-variable interest rate swaps
Commercial real estate loans	$	17,548	$	—	$	512	$	—
Available for sale taxable municipal securities	71,245		—		529		22

XML

Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss) (Tables)

3 Months Ended

Mar. 31, 2022

Accumulated Other Comprehensive Income (Loss) [Abstract]

Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]

The following is changes in accumulated other comprehensive (loss) income by component, net of tax, for the three months ending March 31, 2022 and 2021.

	For the Three Months Ended March 31, 2022
Dollars in thousands	Gains and Losses on Pension Plan		Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges		Unrealized Gains/Losses on Debt Securities Available for Sale		Unrealized Gains on Securities Fair Value Hedge		Total
Beginning balance	$	30	$	9	$	3,993	$	1,868	$	(418)	$	5,482
Other comprehensive (loss) income before reclassification	—		—		8,461		(17,202)		2,070		(6,671)
Amounts reclassified from accumulated other comprehensive income, net of tax	—		—		—		116		—		116
Net current period other comprehensive (loss) income	—		—		8,461		(17,086)		2,070		(6,555)
Ending balance	$	30	$	9	$	12,454	$	(15,218)	$	1,652	$	(1,073)

	For the Three Months Ended March 31, 2021
Dollars in thousands	Gains and Losses on Pension Plan		Gains and Losses on Other Post-Retirement Benefits		Gains and Losses on Cash Flow Hedges		Unrealized Gains/Losses on Debt Securities Available for Sale		Total
Beginning balance	$	(199)	$	(40)	$	(1,132)	$	6,816	$	5,445
Other comprehensive income (loss) before reclassification	—		—		6,090		(2,355)		3,735
Amounts reclassified from accumulated other comprehensive income, net of tax	—		—		—		(362)		(362)
Net current period other comprehensive income (loss)	—		—		6,090		(2,717)		3,373
Ending balance	$	(199)	$	(40)	$	4,958	$	4,099	$	8,818

XML

Income Taxes Income Taxes (Tables)

3 Months Ended

Mar. 31, 2022

Income Tax Disclosure [Abstract]

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]

A reconciliation between the statutory income tax rate and our effective income tax rate for the three and nine months ended March 31, 2022 and 2021 is as follows:

	For the Three Months Ended March 31,
	2022		2021
	Percent		Percent
Applicable statutory rate	21.0	%	21.0	%
Increase (decrease) in rate resulting from:
Tax-exempt interest and dividends, net	(1.4)	%	(1.6)	%
State income taxes, net of Federal income tax benefit	1.9	%	2.2	%
Low-income housing and rehabilitation tax credits	(0.2)	%	(0.3)	%
Other, net	0.5	%	0.8	%
Effective income tax rate	21.8	%	22.1	%

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

The components of applicable income tax expense for the three months ended March 31, 2022 and 2021 are as follows:

	For the Three Months Ended March 31,
Dollars in thousands	2022		2021
Current
Federal	$	2,326	$	2,675
State	270		385
	2,596		3,060
Deferred
Federal	578		(111)
State	83		(16)
	661		(127)
Total	$	3,257	$	2,933

XML

Revenue Recognition Revenue from Contracts with Customers (Tables)

3 Months Ended

Mar. 31, 2022

Revenue from Contracts with Customers [Abstract]

Revenue from Contracts with Customers [Table Text Block]

The following table illustrates our total non-interest income segregated by revenues within the scope of ASC Topic 606 and those which are within the scope of other ASC Topics: 

	Three Months Ended March 31,
Dollars in thousands	2022		2021
Service fees on deposit accounts	$	1,401	$	1,100
Bank card revenue	1,491		1,341
Trust and wealth management fees	757		638
Other	101		149
Net revenue from contracts with customers	3,750		3,228
Non-interest income within the scope of other ASC topics	795		1,746
Total noninterest income	$	4,545	$	4,974

XML

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	$ 374,855	$ 401,103	[1]
U S Government Corporations And Agencies Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	33,899	36,629
Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	57,193	62,211
Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	32,280	26,586
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	32,366	30,278
Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	24,077	24,883
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	374,855	401,103
Fair Value, Recurring [Member] | U S Government Corporations And Agencies Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	33,899	36,629
Fair Value, Recurring [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	57,193	62,211
Fair Value, Recurring [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	32,280	26,586
Fair Value, Recurring [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	111,949	137,786
Fair Value, Recurring [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	32,366	30,278
Fair Value, Recurring [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	24,077	24,883
Fair Value, Recurring [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	83,091	82,730
Fair Value, Recurring [Member] | Interest Rate Cap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	20,953	11,187
Fair Value, Recurring [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	3,502
Derivative Fair Value, Liability		1,124
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | U S Government Corporations And Agencies Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Interest Rate Cap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 1 [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0
Derivative Fair Value, Liability		0
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	374,855	401,103
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | U S Government Corporations And Agencies Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	33,899	36,629
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	57,193	62,211
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	32,280	26,586
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	111,949	137,786
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	32,366	30,278
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	24,077	24,883
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	83,091	82,730
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Interest Rate Cap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	20,953	11,187
Fair Value, Recurring [Member] | Fair Value Inputs Level 2 [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	3,502
Derivative Fair Value, Liability		1,124
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | U S Government Corporations And Agencies Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Government Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Nongovernment Sponsored Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | U S States And Political Subdivisions General Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Interest Rate Cap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	0	0
Fair Value, Recurring [Member] | Fair Value Inputs Level 3 [Member] | Interest rate swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Fair Value, Asset	$ 0
Derivative Fair Value, Liability		$ 0

[1] Derived from audited consolidated financial statements

XML

Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	$ 265	$ 227
Collateral-dependent impaired loans	3,738	3,638
Foreclosed properties	6,513	9,090
Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	3,051	2,417
Foreclosed properties	1,163	1,170
Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	350	693
Foreclosed properties	5,350	7,893
Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	337	528
Foreclosed properties	0	27
Fair Value Inputs Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	0	0
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 1 [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 1 [Member] | Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 1 [Member] | Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	265	227
Collateral-dependent impaired loans	3,583	3,638
Foreclosed properties	6,513	9,090
Fair Value Inputs Level 2 [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	3,051	2,417
Foreclosed properties	1,163	1,170
Fair Value Inputs Level 2 [Member] | Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	350	693
Foreclosed properties	5,350	7,893
Fair Value Inputs Level 2 [Member] | Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	182	528
Foreclosed properties	0	27
Fair Value Inputs Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Residential mortgage loans held for sale	0	0
Collateral-dependent impaired loans	155	0
Foreclosed properties	0	0
Fair Value Inputs Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 3 [Member] | Construction And Development Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	0	0
Foreclosed properties	0	0
Fair Value Inputs Level 3 [Member] | Residential Real Estate Financial Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent impaired loans	155	0
Foreclosed properties	$ 0	$ 0

XML

Fair Value Measurements (Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale	$ 374,855	$ 401,103	[1]
Debt Securities, Held-to-maturity	97,589	98,060
Equity Securities, FV-NI	20,574	20,202
Loans held for sale, net	265	227
Cash surrender value of life insurance policies and annuities	70,825	60,613	[1]
Derivative Asset	24,455	11,187
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale	374,855	401,103
Carrying Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	61,257	78,458
Debt Securities, Available-for-sale	374,855	401,103
Debt Securities, Held-to-maturity	97,589	98,060
Equity Securities, FV-NI	20,574	20,202
Other investments	10,974	11,304
Loans held for sale, net	265	227
Loans, net	2,817,998	2,729,093
Accrued interest receivable	11,022	10,578
Cash surrender value of life insurance policies and annuities	70,825	60,613
Derivative Asset	24,455	11,187
Total assets	3,489,814	3,420,825
Deposits	3,008,063	2,943,089
Short-term borrowings	140,146	140,146
Long-term borrowings	674	679
Subordinated Debt Obligations, Fair Value Disclosure	19,589	102,891
SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure	102,997	19,589
Accrued interest payable	1,548	788
Derivative financial liabilities		1,124
Total liabilities	3,273,017	3,208,306
Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	61,257	78,458
Debt Securities, Available-for-sale	374,855	401,103
Debt Securities, Held-to-maturity	93,284	101,242
Equity Securities, FV-NI	20,574	20,202
Other investments	10,974	11,304
Loans held for sale, net	265	227
Loans, net	2,864,756	2,726,959
Accrued interest receivable	11,022	10,578
Cash surrender value of life insurance policies and annuities	70,825	60,613
Derivative Asset	24,455	11,187
Total assets	3,532,267	3,421,873
Deposits	2,893,414	2,944,722
Short-term borrowings	140,146	140,146
Long-term borrowings	743	795
Subordinated Debt Obligations, Fair Value Disclosure	19,589	103,623
SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure	104,624	19,589
Accrued interest payable	1,548	788
Derivative financial liabilities		1,124
Total liabilities	3,160,064	3,210,787
Fair Value Inputs Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, net	0	0
Fair Value Inputs Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale	0	0
Fair Value Inputs Level 1 [Member] | Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	18,404	21,006
Debt Securities, Available-for-sale	0	0
Debt Securities, Held-to-maturity	0	0
Equity Securities, FV-NI	0	0
Other investments	0	0
Loans held for sale, net	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Cash surrender value of life insurance policies and annuities	0	0
Derivative Asset	0	0
Total assets	18,404	21,006
Deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	0	0
Subordinated Debt Obligations, Fair Value Disclosure	0	0
SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure	0	0
Accrued interest payable	0	0
Derivative financial liabilities		0
Total liabilities	0	0
Fair Value Inputs Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, net	265	227
Fair Value Inputs Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale	374,855	401,103
Fair Value Inputs Level 2 [Member] | Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	42,853	57,452
Debt Securities, Available-for-sale	374,855	401,103
Debt Securities, Held-to-maturity	93,284	101,242
Equity Securities, FV-NI	20,574	20,202
Other investments	10,974	11,304
Loans held for sale, net	265	227
Loans, net	3,583	3,638
Accrued interest receivable	11,022	10,578
Cash surrender value of life insurance policies and annuities	70,825	60,613
Derivative Asset	24,455	11,187
Total assets	652,690	677,546
Deposits	2,893,414	2,944,722
Short-term borrowings	140,146	140,146
Long-term borrowings	743	795
Subordinated Debt Obligations, Fair Value Disclosure	19,589	0
SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure	0	19,589
Accrued interest payable	1,548	788
Derivative financial liabilities		1,124
Total liabilities	3,055,440	3,107,164
Fair Value Inputs Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, net	0	0
Fair Value Inputs Level 3 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale	0	0
Fair Value Inputs Level 3 [Member] | Estimated Fair Value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Debt Securities, Available-for-sale	0	0
Debt Securities, Held-to-maturity	0	0
Equity Securities, FV-NI	0	0
Other investments	0	0
Loans held for sale, net	0	0
Loans, net	2,861,173	2,723,321
Accrued interest receivable	0	0
Cash surrender value of life insurance policies and annuities	0	0
Derivative Asset	0	0
Total assets	2,861,173	2,723,321
Deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	0	0
Subordinated Debt Obligations, Fair Value Disclosure	0	103,623
SubordinatedDebenturesOwedToUnconsolidatedSubsidiaryTrustsFairValueDisclosure	104,624	0
Accrued interest payable	0	0
Derivative financial liabilities		0
Total liabilities	$ 104,624	$ 103,623

[1] Derived from audited consolidated financial statements

XML

Earnings Per Share (Computations Of Basic And Diluted Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share [Line Items]
Net income	$ 11,693	$ 10,360
Preferred Stock Dividends, Income Statement Impact	(225)	0
Net Income (Loss) Available to Common Stockholders, Basic	$ 11,468	$ 10,360
Basic EPS, Common Shares (Denominator) (in shares)	12,745,297	12,942,099
Basic EPS (in dollars per share)	$ 0.90	$ 0.80
Diluted EPS, Stock options, Common Shares (Denominator) (in shares)	0	4,511
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements	51,681	49,781
Diluted EPS, Income (Numerator)	$ 11,468	$ 10,360
Diluted EPS, Common Shares (Denominator) (in shares)	12,801,903	13,002,062
Diluted EPS (in dollars per share)	$ 0.90	$ 0.80
Restricted Stock Units (RSUs) [Member]
Earnings Per Share [Line Items]
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements	4,925	5,671

XML

Earnings Per Share (Narrative) (Details) - shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Stock Appreciation Rights (SARs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive stock options	346,920	222,740

XML

Securities (Summary Of Amortized Cost, Unrealized Gains, Unrealized Losses And Estimated Fair Values) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Marketable Securities [Line Items]
Document Period End Date	Mar. 31, 2022
Total Amortized Cost	$ 394,879	$ 398,643
Available for sale securities, Unrealized Gains	1,344	6,223
Available for sale securities, Unrealized Losses	21,368	3,763
Debt Securities, Available-for-sale	374,855	401,103	[1]
U S Government Corporations And Agencies Securities [Member]
Marketable Securities [Line Items]
Total Amortized Cost	34,193	36,820
Available for sale securities, Unrealized Gains	131	169
Available for sale securities, Unrealized Losses	425	360
Debt Securities, Available-for-sale	33,899	36,629
Government Sponsored Agencies [Member]
Marketable Securities [Line Items]
Total Amortized Cost	58,521	61,646
Available for sale securities, Unrealized Gains	410	1,153
Available for sale securities, Unrealized Losses	1,738	588
Debt Securities, Available-for-sale	57,193	62,211
Nongovernment Sponsored Agencies [Member]
Marketable Securities [Line Items]
Total Amortized Cost	32,859	26,839
Available for sale securities, Unrealized Gains	18	26
Available for sale securities, Unrealized Losses	597	279
Debt Securities, Available-for-sale	32,280	26,586
State and Political Subdivisions General Obligations [Member]
Marketable Securities [Line Items]
Total Amortized Cost	76,033	78,627
Available for sale securities, Unrealized Gains	3	377
Available for sale securities, Unrealized Losses	8,876	1,323
Debt Securities, Available-for-sale	67,160	77,681
State and Policital Subdivisions Water and Sewer Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost		9,839
Available for sale securities, Unrealized Gains		294
Available for sale securities, Unrealized Losses		0
Debt Securities, Available-for-sale		10,133
State and Political Subdivisions Lease Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost		6,401
Available for sale securities, Unrealized Gains		215
Available for sale securities, Unrealized Losses		26
Debt Securities, Available-for-sale		6,590
State and Political Subdivisions Income Tax Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost		6,487
Available for sale securities, Unrealized Gains		250
Available for sale securities, Unrealized Losses		3
Debt Securities, Available-for-sale		6,734
State and Political Subdivisions Sales Tax Revenues
Marketable Securities [Line Items]
Total Amortized Cost		6,909
Available for sale securities, Unrealized Gains		19
Available for sale securities, Unrealized Losses		99
Debt Securities, Available-for-sale		6,829
State and Political Subdivisions Various Tax Revenues
Marketable Securities [Line Items]
Total Amortized Cost	13,023	13,031
Available for sale securities, Unrealized Gains	8	218
Available for sale securities, Unrealized Losses	1,170	203
Debt Securities, Available-for-sale	11,861	13,046
State and Political Subdivisions Utility Revenues
Marketable Securities [Line Items]
Total Amortized Cost		7,153
Available for sale securities, Unrealized Gains		137
Available for sale securities, Unrealized Losses		130
Debt Securities, Available-for-sale		7,160
State and Policital Subdivisions Other Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost	35,490	9,291
Available for sale securities, Unrealized Gains	34	331
Available for sale securities, Unrealized Losses	2,596	9
Debt Securities, Available-for-sale	32,928	9,613
Corporate Debt Securities [Member]
Marketable Securities [Line Items]
Total Amortized Cost	32,818	30,524
Available for sale securities, Unrealized Gains	30	78
Available for sale securities, Unrealized Losses	482	324
Debt Securities, Available-for-sale	32,366	30,278
Asset-backed Securities [Member]
Marketable Securities [Line Items]
Total Amortized Cost	24,319	24,873
Available for sale securities, Unrealized Gains	38	97
Available for sale securities, Unrealized Losses	280	87
Debt Securities, Available-for-sale	24,077	24,883
Taxable Debt Securities [Member]
Marketable Securities [Line Items]
Total Amortized Cost	307,256	318,440
Available for sale securities, Unrealized Gains	672	3,364
Available for sale securities, Unrealized Losses	16,164	3,431
Debt Securities, Available-for-sale	291,764	318,373
Tax Exempt State and Political Subdivisions General Obligations [Member]
Marketable Securities [Line Items]
Total Amortized Cost	49,441	47,583
Available for sale securities, Unrealized Gains	375	1,526
Available for sale securities, Unrealized Losses	2,953	270
Debt Securities, Available-for-sale	46,863	48,839
Tax Exempt State and Political Subdivisions Water and Sewer Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost	10,510	10,618
Available for sale securities, Unrealized Gains	76	375
Available for sale securities, Unrealized Losses	505	15
Debt Securities, Available-for-sale	10,081	10,978
Tax Exempt State and Political Subdivisions Lease Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost	7,945	7,974
Available for sale securities, Unrealized Gains	144	553
Available for sale securities, Unrealized Losses	232	31
Debt Securities, Available-for-sale	7,857	8,496
Tax Exempt State and Political Subdivisions Various Tax Revenues
Marketable Securities [Line Items]
Total Amortized Cost	9,631
Available for sale securities, Unrealized Gains	21
Available for sale securities, Unrealized Losses	796
Debt Securities, Available-for-sale	8,856
Tax Exempt State and Political Subdivisions Other Revenues [Member]
Marketable Securities [Line Items]
Total Amortized Cost	10,096	14,028
Available for sale securities, Unrealized Gains	56	405
Available for sale securities, Unrealized Losses	718	16
Debt Securities, Available-for-sale	9,434	14,417
Tax Exempt Debt Securities [Member]
Marketable Securities [Line Items]
Total Amortized Cost	87,623	80,203
Available for sale securities, Unrealized Gains	672	2,859
Available for sale securities, Unrealized Losses	5,204	332
Debt Securities, Available-for-sale	$ 83,091	$ 82,730

[1] Derived from audited consolidated financial statements

XML

Securities (Summary of Volume of State and Political Subdivision Securities Held in Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	$ 394,879	$ 398,643
Available for sale securities, Unrealized Gains	1,344	6,223
Available for sale securities, Unrealized Losses	21,368	3,763
Debt Securities, Available-for-sale	374,855	$ 401,103	[1]
CALIFORNIA
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	47,963
Available for sale securities, Unrealized Gains	71
Available for sale securities, Unrealized Losses	4,832
Debt Securities, Available-for-sale	43,202
TEXAS
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	23,385
Available for sale securities, Unrealized Gains	66
Available for sale securities, Unrealized Losses	2,324
Debt Securities, Available-for-sale	21,127
PENNSYLVANIA
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	14,101
Available for sale securities, Unrealized Gains	123
Available for sale securities, Unrealized Losses	848
Debt Securities, Available-for-sale	13,376
OREGON
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	14,751
Available for sale securities, Unrealized Gains	0
Available for sale securities, Unrealized Losses	1,928
Debt Securities, Available-for-sale	12,823
WASHINGTON
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Amortized Cost	12,737
Available for sale securities, Unrealized Gains	60
Available for sale securities, Unrealized Losses	851
Debt Securities, Available-for-sale	$ 11,946

[1] Derived from audited consolidated financial statements

XML

Securities (Summary Of Maturities, Amortized Cost And Estimated Fair Values Of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale [Abstract]
Due in one year or less, Amortized Cost	$ 35,137
Due from one to five years, Amortized Cost	83,090
Due from five to ten years, Amortized Cost	58,133
Due after ten years, Amortized Cost	218,519
Total Amortized Cost	394,879	$ 398,643
Due in one year or less, Estimated Fair Value	34,887
Due from one to five years, Estimated Fair Value	82,135
Due from five to ten years, Estimated Fair Value	56,755
Due after ten years, Estimated Fair Value	201,078
Total Estimated Fair Value	$ 374,855	$ 401,103	[1]

[1] Derived from audited consolidated financial statements

XML

Securities (Summary Of Proceeds From Sales, Calls And Maturities, Principal Payments, Gains And Losses Of Securities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Debt Securities, Available-for-sale [Abstract]
Proceeds from Sale of Debt Securities, Available-for-sale	$ 16,092	$ 5,117
Securities available for sale, Proceeds from Calls and Maturities	210	2,825
Securities available for sale, Proceeds from Principal Payments	8,730	7,222
Debt Securities, Available-for-sale, Realized Gain	97	476
Debt Securities, Available-for-sale, Realized Gain (Loss)	$ 249	$ 0

XML

Securities (Narrative) (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022 USD ($) state	Dec. 31, 2021 USD ($)
Debt Securities, Available-for-Sale and Held-to-Maturity, after Allowance for Credit Loss [Abstract]
Accrued Interest Receivable Debt Securities Available for Sale	$ 2,500	$ 2,300
Number of states with highest volume of state and political subdivision securities | state	5
Debt Securities, Available-for-sale, Allowance for Credit Loss	$ 0
Accrued Interest Receivable Debt Security Held to Maturity	937	1,100
Debt Securities, Held-to-maturity, Noncurrent	0	0
Debt Securities, Held-to-maturity, Nonaccrual	0	0
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	0	0
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$ 0	$ 0

XML

Securities (Summary Of Securities Available For Sale In Unrealized Loss Position) (Details) $ in Thousands	Mar. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	233	157
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 232,195	$ 169,460
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	19,676	2,926
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	43,109	39,837
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(1,692)	(837)
Debt Securities, Available-for-sale, Unrealized Loss Position	275,304	209,297
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 21,368	$ 3,763
US Government Corporations and Agencies Securities [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	43	41
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 6,306	$ 6,630
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	63	23
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	21,545	21,061
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(362)	(337)
Debt Securities, Available-for-sale, Unrealized Loss Position	27,851	27,691
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 425	$ 360
Government Sponsored Agencies [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	34	19
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 30,776	$ 19,828
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	1,505	376
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	7,310	6,886
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(233)	(212)
Debt Securities, Available-for-sale, Unrealized Loss Position	38,086	26,714
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 1,738	$ 588
Nongovernment Sponsored Agencies [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	10	6
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 13,596	$ 4,345
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	388	61
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	4,708	7,591
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(209)	(218)
Debt Securities, Available-for-sale, Unrealized Loss Position	18,304	11,936
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 597	$ 279
State and Political Subdivisions General Obligations [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	53	41
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 64,626	$ 62,543
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	8,640	1,286
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	1,539	1,055
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(236)	(37)
Debt Securities, Available-for-sale, Unrealized Loss Position	66,165	63,598
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 8,876	$ 1,323
State and Political Subdivisions Lease Revenues [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		2
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 1,564
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		14
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		494
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		(12)
Debt Securities, Available-for-sale, Unrealized Loss Position		2,058
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 26
State and Political Subdivisions Income Tax Revenues [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 721
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		3
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Available-for-sale, Unrealized Loss Position		721
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 3
State and Political Subdivisions Sales Tax Revenues
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		2
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 6,052
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		99
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Available-for-sale, Unrealized Loss Position		6,052
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 99
State and Political Subdivisions Various Tax Revenues
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	8	5
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 8,565	$ 8,389
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	843	203
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	1,494	0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(327)	0
Debt Securities, Available-for-sale, Unrealized Loss Position	10,059	8,389
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 1,170	$ 203
State and Political Subdivisions Utility Revenues
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security		3
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months		$ 5,175
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		130
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer		0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss		0
Debt Securities, Available-for-sale, Unrealized Loss Position		5,175
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss		$ 130
State and Political Subdivisions Other Revenues [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	22	1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 25,515	$ 744
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	2,596	9
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	25,515	744
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 2,596	$ 9
Corporate Debt Securities [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	17	10
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 15,346	$ 10,534
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	364	314
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,896	990
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(118)	(10)
Debt Securities, Available-for-sale, Unrealized Loss Position	18,242	11,524
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 482	$ 324
Asset-backed Securities [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	12	8
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 14,888	$ 10,522
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	123	86
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,653	751
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(157)	(1)
Debt Securities, Available-for-sale, Unrealized Loss Position	17,541	11,273
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 280	$ 87
Tax Exempt State and Political Subdivisions General Obligations [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	17	13
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 30,383	$ 25,555
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	2,917	261
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	821	853
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(36)	(9)
Debt Securities, Available-for-sale, Unrealized Loss Position	31,204	26,408
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 2,953	$ 270
Tax Exempt State and Political Subdivisions Water and Sewer Revenues [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	6	1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 4,792	$ 904
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	505	15
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	4,792	904
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 505	$ 15
Tax Exempt State and Political Subdivisions Lease Revenues [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	2	1
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 3,291	$ 2,396
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	232	31
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	0
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	3,291	2,396
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 232	$ 31
Tax Exempt State and Political Subdivisions Various Tax Revenues
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	5
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 7,049
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	782
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	143
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(14)
Debt Securities, Available-for-sale, Unrealized Loss Position	7,192
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 796
Tax Exempt State and Political Subdivisions Other Revenues [Member]
Marketable Securities [Line Items]
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | security	4	3
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 7,062	$ 3,558
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	718	15
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0	156
Debt Securities Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0	(1)
Debt Securities, Available-for-sale, Unrealized Loss Position	7,062	3,714
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 718	$ 16

XML

Securities Held to Maturity (Summary of Amortized Cost, Unrealized Gains, Unrealized Losses and Estimated Fair Values) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	$ 97,589	$ 98,060
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	3,187
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	4,305	5
Debt Securities, Held-to-maturity, Fair Value	93,284	101,242
Tax Exempt State and Political Subdivisions General Obligations [Member]
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	71,458	71,807
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	2,583
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	2,834	0
Debt Securities, Held-to-maturity, Fair Value	68,624	74,390
Tax Exempt State and Political Subdivisions Water and Sewer Revenues [Member]
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	8,146	8,192
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	210
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	300	0
Debt Securities, Held-to-maturity, Fair Value	7,846	8,402
Tax Exempt State and Political Subdivisions Lease Revenues [Member]
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	4,295	4,316
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	74
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	314	0
Debt Securities, Held-to-maturity, Fair Value	3,981	4,390
Tax Exempt State and Political Subdivisions Sales Tax Revenues [Member]
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	4,566	4,582
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	106
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	282	0
Debt Securities, Held-to-maturity, Fair Value	4,284	4,688
Tax Exempt State and Political Subdivisions Various Tax Revenues
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	5,574
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	458
Debt Securities, Held-to-maturity, Fair Value	5,116
Tax Exempt State and Political Subdivisions Other Revenues [Member]
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	3,550	9,163
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	214
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	117	5
Debt Securities, Held-to-maturity, Fair Value	$ 3,433	$ 9,372

XML

Securities Held to Maturity (Summary of Volume of State and Political Subdivision Securities Held in Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	$ 97,589	$ 98,060
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0	3,187
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	4,305	5
Debt Securities, Held-to-maturity, Fair Value	93,284	$ 101,242
TEXAS
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	15,326
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	498
Debt Securities, Held-to-maturity, Fair Value	14,828
CALIFORNIA
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	9,823
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	357
Debt Securities, Held-to-maturity, Fair Value	9,466
PENNSYLVANIA
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	8,596
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	281
Debt Securities, Held-to-maturity, Fair Value	8,315
FLORIDA
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	7,563
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	406
Debt Securities, Held-to-maturity, Fair Value	7,157
MICHIGAN
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-maturity	7,001
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	0
Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss	365
Debt Securities, Held-to-maturity, Fair Value	$ 6,636

XML

Securities Held to Maturity (Summary of Credit Rating) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Held-to-maturity	$ 97,589	$ 98,060
Marketable Securities [Line Items]
Debt Securities, Held-to-maturity	97,589	98,060
Standard & Poor's, AAA Rating
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Held-to-maturity	13,024	15,450
Marketable Securities [Line Items]
Debt Securities, Held-to-maturity	13,024	15,450
Standard & Poor's, AA Rating
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Held-to-maturity	77,101	75,119
Marketable Securities [Line Items]
Debt Securities, Held-to-maturity	77,101	75,119
Standard & Poor's, A Rating
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Held-to-maturity	7,464	7,491
Marketable Securities [Line Items]
Debt Securities, Held-to-maturity	7,464	7,491
Standard & Poor's, BBB Rating
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Held-to-maturity	0	0
Marketable Securities [Line Items]
Debt Securities, Held-to-maturity	0	0
Standard & Poor's, Below Investment Grade Rating
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Held-to-maturity	0	0
Marketable Securities [Line Items]
Debt Securities, Held-to-maturity	$ 0	$ 0

XML

Securities (Summary of Maturity Held to Maturity Securities) (Details) $ in Thousands	Mar. 31, 2022 USD ($)
Schedule of Held-to-maturity Securities [Line Items]
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$ 0
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	0
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	2,858
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	94,731
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Amortized Cost	97,589
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	0
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	0
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	2,691
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	90,593
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Fair Value	$ 93,284

XML

Loans (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022 USD ($) contract	Mar. 31, 2021 contract	Dec. 31, 2021 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan review aggregate exposure amount on non-homogenous commercial loan relationships	$ 5,000
Troubled debt restructurings included in impaired loans	20,800		$ 20,900
Commitments to Lend Funds for Restructured Loans	0
Financing Receivable, Troubled Debt Restructuring, Individually Evaluated for Impairment, Minimum	$ 500
Number of days past due to be considered in default	30 days
Document Period End Date	Mar. 31, 2022
Financing Receivable, Modifications, Number of Contracts | contract	6	0
Loans Collectively Evaluated Fully Guaranteed or Cash Secured Loans	$ 15,100		19,800
Accrued Interest and Fees Receivable on Loans	6,400		7,200
Current Troubled Debt Restructurings	$ 18,600		$ 18,700

XML

Loans (Summary of Loans, Net of Unearned Fees) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Document Period End Date	Mar. 31, 2022
Loans and Leases Receivable, Net of Deferred Income	$ 2,850,621	$ 2,761,391	[1]
Less allowance for loan losses	32,623	32,298	[1]
Loans and Leases Receivable, Net Amount	2,817,998	2,729,093	[1]
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	447,482	365,301
Commercial real estate owner occupied professional & medical [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	148,502	150,759
Commercial real estate owner occupied retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	189,003	190,304
Commercial real estate owner occupied other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	153,779	143,645
Commercial real estate non-owner occupied hotels & motels [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	143,082	128,450
Commercial real estate non-owner occupied mini-storage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	54,083	59,045
Multifamily [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	272,113	233,157
Commercial real estate non-owner occupied retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	172,598	162,758
Commercial real estate non-owner occupied other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	268,072	282,621
Land and Land Improvements [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	103,203	100,805
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	171,384	146,038
Residential 1-4 family real estate personal residence [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	256,872	262,805
Residential 1-4 family real estate rental - small loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	118,368	121,989
Residential 1-4 family real estate rental - large loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	81,443	79,108
Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	70,770	72,112
Mortgage Warehouse Lines [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	164,896	227,869
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	32,095	31,923
Credit Card Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,991	1,891
Bank Overdrafts [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 885	$ 811

[1] Derived from audited consolidated financial statements

XML

Loans and Allowance For Credit Losses Loans (Summary Of Analysis Of Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 32,623	$ 32,298	$ 32,246
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		91
Provision for Loan, Lease, and Other Losses	833	915
Financing Receivable, Allowance for Credit Loss, Writeoff	(617)	(1,507)
Financing Receivable, Allowance for Credit Loss, Recovery	109	553
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	4,011	3,218	2,304
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	992	1,112
Financing Receivable, Allowance for Credit Loss, Writeoff	(202)	(222)
Financing Receivable, Allowance for Credit Loss, Recovery	3	24
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	1,151	1,092	954
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		71
Provision for Loan, Lease, and Other Losses	59	71
Financing Receivable, Allowance for Credit Loss, Writeoff	0	(4)
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Commercial real estate owner occupied retail [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	1,334	1,362	3,173
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(28)	(1,812)
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	1
Commercial real estate owner occupied other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	395	575	610
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(180)	(35)
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	1,200	2,532	2,135
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(1,332)	397
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	120	133	337
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(13)	(204)
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Multifamily [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	2,058	1,821	1,547
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	236	265
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	1	9
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	1,550	1,074	981
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	476	93
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	1,958	1,820	1,104
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	135	947
Financing Receivable, Allowance for Credit Loss, Writeoff	0	(233)
Financing Receivable, Allowance for Credit Loss, Recovery	3	2
Land and Land Improvements [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	3,456	3,468	4,084
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(16)	(628)
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	4	12
Construction [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	7,378	6,346	4,648
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	1,032	1,698
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	2,696	2,765	3,559
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(36)	(548)
Financing Receivable, Allowance for Credit Loss, Writeoff	(53)	(365)
Financing Receivable, Allowance for Credit Loss, Recovery	20	119
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	2,290	2,834	2,736
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		20
Provision for Loan, Lease, and Other Losses	(469)	177
Financing Receivable, Allowance for Credit Loss, Writeoff	(83)	(189)
Financing Receivable, Allowance for Credit Loss, Recovery	8	90
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	2,193	2,374	3,007
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(181)	(633)
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	442	497	713
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(51)	(206)
Financing Receivable, Allowance for Credit Loss, Writeoff	(8)	(26)
Financing Receivable, Allowance for Credit Loss, Recovery	4	16
Mortgage Warehouse Lines [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	0	0	0
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	0	0
Financing Receivable, Allowance for Credit Loss, Writeoff	0	0
Financing Receivable, Allowance for Credit Loss, Recovery	0	0
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	147	163	216
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	14	(44)
Financing Receivable, Allowance for Credit Loss, Writeoff	(55)	(131)
Financing Receivable, Allowance for Credit Loss, Recovery	25	122
Credit Card Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	18	17	17
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	(1)	10
Financing Receivable, Allowance for Credit Loss, Writeoff	0	(16)
Financing Receivable, Allowance for Credit Loss, Recovery	2	6
Bank Overdrafts [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing Receivable, Allowance for Credit Loss	226	207	$ 121
Financing Receivable, Allowance for Credit Loss, Period Increase (Decrease)		0
Provision for Loan, Lease, and Other Losses	196	255
Financing Receivable, Allowance for Credit Loss, Writeoff	(216)	(321)
Financing Receivable, Allowance for Credit Loss, Recovery	$ 39	$ 152

XML

Loans and Allowance For Credit Losses Loans (Summary Of Imparied Financing Receivables) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	$ 26,184	$ 27,523
Financing Receivable, Collectively Evaluated for Impairment	2,824,437	2,733,868
Loans and Leases Receivable, Gross	2,850,621	2,761,391
Allowance related to: Loans individually evaluated for impairment	1,678	2,096
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	30,945	30,202
Financing Receivable, Allowance for Credit Loss	32,623	32,298	$ 32,246
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	168	177
Financing Receivable, Collectively Evaluated for Impairment	447,314	365,124
Loans and Leases Receivable, Gross	447,482	365,301
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	4,011	3,218
Financing Receivable, Allowance for Credit Loss	4,011	3,218	2,304
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	2,050	2,073
Financing Receivable, Collectively Evaluated for Impairment	146,452	148,686
Loans and Leases Receivable, Gross	148,502	150,759
Allowance related to: Loans individually evaluated for impairment	235	199
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	916	893
Financing Receivable, Allowance for Credit Loss	1,151	1,092	954
Commercial real estate owner occupied retail [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	5,569	5,559
Financing Receivable, Collectively Evaluated for Impairment	183,434	184,745
Loans and Leases Receivable, Gross	189,003	190,304
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,334	1,362
Financing Receivable, Allowance for Credit Loss	1,334	1,362	3,173
Commercial real estate owner occupied other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	153,779	143,645
Loans and Leases Receivable, Gross	153,779	143,645
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	395	575
Financing Receivable, Allowance for Credit Loss	395	575	610
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	3,036	3,085
Financing Receivable, Collectively Evaluated for Impairment	140,046	125,365
Loans and Leases Receivable, Gross	143,082	128,450
Allowance related to: Loans individually evaluated for impairment	0	669
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,200	1,863
Financing Receivable, Allowance for Credit Loss	1,200	2,532	2,135
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	1,058
Financing Receivable, Collectively Evaluated for Impairment	54,083	57,987
Loans and Leases Receivable, Gross	54,083	59,045
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	120	133
Financing Receivable, Allowance for Credit Loss	120	133	337
Multifamily [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	272,113	233,157
Loans and Leases Receivable, Gross	272,113	233,157
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,058	1,821
Financing Receivable, Allowance for Credit Loss	2,058	1,821	1,547
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	3,109	2,693
Financing Receivable, Collectively Evaluated for Impairment	169,489	160,065
Loans and Leases Receivable, Gross	172,598	162,758
Allowance related to: Loans individually evaluated for impairment	105	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,445	1,074
Financing Receivable, Allowance for Credit Loss	1,550	1,074	981
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	5,663	5,726
Financing Receivable, Collectively Evaluated for Impairment	262,409	276,895
Loans and Leases Receivable, Gross	268,072	282,621
Allowance related to: Loans individually evaluated for impairment	308	69
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,650	1,751
Financing Receivable, Allowance for Credit Loss	1,958	1,820	1,104
Land and Land Improvements [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	1,540	2,004
Financing Receivable, Collectively Evaluated for Impairment	101,663	98,801
Loans and Leases Receivable, Gross	103,203	100,805
Allowance related to: Loans individually evaluated for impairment	613	723
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,843	2,745
Financing Receivable, Allowance for Credit Loss	3,456	3,468	4,084
Construction [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	171,384	146,038
Loans and Leases Receivable, Gross	171,384	146,038
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	7,378	6,346
Financing Receivable, Allowance for Credit Loss	7,378	6,346	4,648
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	256,872	262,805
Loans and Leases Receivable, Gross	256,872	262,805
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,696	2,765
Financing Receivable, Allowance for Credit Loss	2,696	2,765	3,559
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	1,444	1,463
Financing Receivable, Collectively Evaluated for Impairment	116,924	120,526
Loans and Leases Receivable, Gross	118,368	121,989
Allowance related to: Loans individually evaluated for impairment	417	436
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,873	2,398
Financing Receivable, Allowance for Credit Loss	2,290	2,834	2,736
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	3,129	3,162
Financing Receivable, Collectively Evaluated for Impairment	78,314	75,946
Loans and Leases Receivable, Gross	81,443	79,108
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,193	2,374
Financing Receivable, Allowance for Credit Loss	2,193	2,374	3,007
Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	473	523
Financing Receivable, Collectively Evaluated for Impairment	70,297	71,589
Loans and Leases Receivable, Gross	70,770	72,112
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	442	497
Financing Receivable, Allowance for Credit Loss	442	497	713
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	3	0
Financing Receivable, Collectively Evaluated for Impairment	32,092	31,923
Loans and Leases Receivable, Gross	32,095	31,923
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	147	163
Financing Receivable, Allowance for Credit Loss	147	163	216
Credit Card Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	1,991	1,891
Loans and Leases Receivable, Gross	1,991	1,891
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	18	17
Financing Receivable, Allowance for Credit Loss	18	17	17
Bank Overdrafts [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	885	811
Loans and Leases Receivable, Gross	885	811
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	226	207
Financing Receivable, Allowance for Credit Loss	226	207	121
Mortgage Warehouse Lines [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment	0	0
Financing Receivable, Collectively Evaluated for Impairment	164,896	227,869
Loans and Leases Receivable, Gross	164,896	227,869
Allowance related to: Loans individually evaluated for impairment	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	0	0
Financing Receivable, Allowance for Credit Loss	$ 0	$ 0	$ 0

XML

Loans and Allowance For Credit Losses Loans (Collateral Dependent Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	$ 26,184	$ 27,523
Allowance related to: Loans individually evaluated for impairment, collateral dependent	1,678	2,096
Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	26,184	27,523
Allowance related to: Loans individually evaluated for impairment, collateral dependent	1,678	2,096
Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	26,013	27,346
Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	171	177
Commercial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	168	177
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	168	177
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	168	177
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	2,050	2,073
Allowance related to: Loans individually evaluated for impairment, collateral dependent	235	199
Commercial real estate owner occupied professional & medical [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	2,050	2,073
Allowance related to: Loans individually evaluated for impairment, collateral dependent	235	199
Commercial real estate owner occupied professional & medical [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	2,050	2,073
Commercial real estate owner occupied professional & medical [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied retail [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	5,569	5,559
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied retail [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	5,569	5,559
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied retail [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	5,569	5,559
Commercial real estate owner occupied retail [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied other [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied other [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate owner occupied other [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,036	3,085
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	669
Commercial real estate non-owner occupied hotels & motels [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,036	3,085
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	669
Commercial real estate non-owner occupied hotels & motels [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,036	3,085
Commercial real estate non-owner occupied hotels & motels [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	1,058
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate non-owner occupied mini-storage [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	1,058
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate non-owner occupied mini-storage [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	1,058
Commercial real estate non-owner occupied mini-storage [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Multifamily [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Multifamily [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Multifamily [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Multifamily [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,109	2,693
Allowance related to: Loans individually evaluated for impairment, collateral dependent	105	0
Commercial real estate non-owner occupied retail [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,109	2,693
Allowance related to: Loans individually evaluated for impairment, collateral dependent	105	0
Commercial real estate non-owner occupied retail [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,109	2,693
Commercial real estate non-owner occupied retail [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	5,663	5,726
Allowance related to: Loans individually evaluated for impairment, collateral dependent	308	69
Commercial real estate non-owner occupied other [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	5,663	5,726
Allowance related to: Loans individually evaluated for impairment, collateral dependent	308	69
Commercial real estate non-owner occupied other [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	5,663	5,726
Commercial real estate non-owner occupied other [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Land and Land Improvements [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	1,540	2,004
Allowance related to: Loans individually evaluated for impairment, collateral dependent	613	723
Land and Land Improvements [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	1,540	2,004
Allowance related to: Loans individually evaluated for impairment, collateral dependent	613	723
Land and Land Improvements [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	1,540	2,004
Land and Land Improvements [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Construction [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Construction [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Construction [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Construction [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate personal residence [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate personal residence [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate personal residence [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	1,444	1,463
Allowance related to: Loans individually evaluated for impairment, collateral dependent	417	436
Residential 1-4 family real estate rental - small loan [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	1,444	1,463
Allowance related to: Loans individually evaluated for impairment, collateral dependent	417	436
Residential 1-4 family real estate rental - small loan [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	1,444	1,463
Residential 1-4 family real estate rental - small loan [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,129	3,162
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate rental - large loan [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,129	3,162
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Residential 1-4 family real estate rental - large loan [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3,129	3,162
Residential 1-4 family real estate rental - large loan [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	473	523
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Home Equity [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	473	523
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Home Equity [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	473	523
Home Equity [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Consumer [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Consumer [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Consumer [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	3	0
Credit Card Receivable [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Credit Card Receivable [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Credit Card Receivable [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Credit Card Receivable [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Bank Overdrafts [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Bank Overdrafts [Member] | Collateral Pledged [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Allowance related to: Loans individually evaluated for impairment, collateral dependent	0	0
Bank Overdrafts [Member] | Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	0	0
Bank Overdrafts [Member] | Non-Real Estate Secured Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated for impairment, collateral dependent	$ 0	$ 0

XML

Loans (Schedule of Contractual Aging of Recorded Investment in Past Due Loans by Class) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	$ 19	$ 4
Loans and Leases Receivable, Net of Deferred Income	2,850,621	2,761,391	[1]
Commercial [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	447,482	365,301
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	148,502	150,759
Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	189,003	190,304
Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	153,779	143,645
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	143,082	128,450
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	54,083	59,045
Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	272,113	233,157
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	172,598	162,758
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	268,072	282,621
Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	103,203	100,805
Construction [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	171,384	146,038
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	256,872	262,805
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	118,368	121,989
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	81,443	79,108
Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	70,770	72,112
Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	164,896	227,869
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	32,095	31,923
Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	19	4
Loans and Leases Receivable, Net of Deferred Income	1,991	1,891
Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Recorded Investment greater then 90 days and Accruing	0	0
Loans and Leases Receivable, Net of Deferred Income	885	811
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,946	4,517
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	395	736
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	46	409
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	326	208
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1	2
Financial Asset, 30 to 59 Days Past Due [Member] | Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	65	66
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	646	38
Financial Asset, 30 to 59 Days Past Due [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	2,793	2,283
Financial Asset, 30 to 59 Days Past Due [Member] | Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	569	429
Financial Asset, 30 to 59 Days Past Due [Member] | Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	36	236
Financial Asset, 30 to 59 Days Past Due [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	53	98
Financial Asset, 30 to 59 Days Past Due [Member] | Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	16	12
Financial Asset, 30 to 59 Days Past Due [Member] | Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	2,217	2,076
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	17	15
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	676	405
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	331	0
Financial Asset, 60 to 89 Days Past Due [Member] | Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	7
Financial Asset, 60 to 89 Days Past Due [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,089	1,211
Financial Asset, 60 to 89 Days Past Due [Member] | Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	33	247
Financial Asset, 60 to 89 Days Past Due [Member] | Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	42	80
Financial Asset, 60 to 89 Days Past Due [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	17	101
Financial Asset, 60 to 89 Days Past Due [Member] | Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	12	10
Financial Asset, 60 to 89 Days Past Due [Member] | Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	4,049	4,925
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	151	613
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	405	144
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	150
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	53	55
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	261	338
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	968	962
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,457	1,384
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	620	1,093
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	115	175
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	7
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	19	4
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	11,212	11,518
Financial Asset, Past Due | Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	563	1,364
Financial Asset, Past Due | Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	46	409
Financial Asset, Past Due | Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,081	549
Financial Asset, Past Due | Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	326	358
Financial Asset, Past Due | Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Past Due | Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1	2
Financial Asset, Past Due | Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	53	55
Financial Asset, Past Due | Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	326	404
Financial Asset, Past Due | Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	331	0
Financial Asset, Past Due | Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,614	1,007
Financial Asset, Past Due | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Past Due | Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	5,339	4,878
Financial Asset, Past Due | Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,222	1,769
Financial Asset, Past Due | Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Past Due | Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	193	491
Financial Asset, Past Due | Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Past Due | Consumer [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	70	206
Financial Asset, Past Due | Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	47	26
Financial Asset, Past Due | Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	0	0
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	2,839,409	2,749,873
Financial Asset, Not Past Due | Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	446,919	363,937
Financial Asset, Not Past Due | Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	148,456	150,350
Financial Asset, Not Past Due | Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	187,922	189,755
Financial Asset, Not Past Due | Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	153,453	143,287
Financial Asset, Not Past Due | Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	143,082	128,450
Financial Asset, Not Past Due | Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	54,082	59,043
Financial Asset, Not Past Due | Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	272,060	233,102
Financial Asset, Not Past Due | Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	172,272	162,354
Financial Asset, Not Past Due | Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	267,741	282,621
Financial Asset, Not Past Due | Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	101,589	99,798
Financial Asset, Not Past Due | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	171,384	146,038
Financial Asset, Not Past Due | Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	251,533	257,927
Financial Asset, Not Past Due | Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	117,146	120,220
Financial Asset, Not Past Due | Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	81,443	79,108
Financial Asset, Not Past Due | Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	70,577	71,621
Financial Asset, Not Past Due | Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	164,896	227,869
Financial Asset, Not Past Due | Consumer [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	32,025	31,717
Financial Asset, Not Past Due | Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	1,944	1,865
Financial Asset, Not Past Due | Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 885	$ 811

[1] Derived from audited consolidated financial statements

XML

Loans (Schedule of Nonaccrual Loans Included in Net Balance of Loans) (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	$ 11,716,000	$ 12,692,000
Financing Receivable, Nonaccrual, No Allowance	3,141,000	96,000
Commercial [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	433,000	740,000
Financing Receivable, Nonaccrual, No Allowance	105,000	96,000
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	0	0
Commercial real estate owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	622,000	775,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Commercial real estate owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	337,000	341,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	3,036,000	3,085,000
Financing Receivable, Nonaccrual, No Allowance	3,036,000	0
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	0	0
Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	52,000	55,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	710,000	338,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	8,000	9,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Land and Land Improvements [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	968,000	1,560,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Construction [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	0	0
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	2,655,000	2,504,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	2,779,000	3,094,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	0	0
Home Equity [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	115,000	174,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Mortgage Warehouse Lines [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	0	0
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	1,000	17,000
Financing Receivable, Nonaccrual, No Allowance	0	0
Credit Card Receivable [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	0	0
Bank Overdrafts [Member]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Nonaccrual	0	0
Financing Receivable, Nonaccrual, No Allowance	$ 0	$ 0

XML

Loans and Allowance For Credit Losses Loans (Risk Ratings) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Document Period End Date	Mar. 31, 2022
2021	$ 214,840	$ 753,426
2020	745,359	437,302
2019	413,839	317,200
2018	291,703	152,634
2017	144,326	122,813
Prior	564,737	486,942
Revolving	475,817	491,074
Revolving - Term	0	0
Total	2,850,621	2,761,391
Commercial [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	51,468	124,718
2020	114,715	36,663
2019	33,187	31,295
2018	25,088	5,638
2017	4,813	8,909
Prior	22,185	14,607
Revolving	196,026	143,471
Revolving - Term	0	0
Total	447,482	365,301
Commercial [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	51,438	123,890
2020	113,621	36,339
2019	32,878	31,116
2018	24,917	5,549
2017	4,735	8,831
Prior	21,969	14,061
Revolving	193,884	141,003
Revolving - Term	0	0
Total	443,442	360,789
Commercial [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	693
2020	923	279
2019	278	69
2018	66	41
2017	37	60
Prior	205	539
Revolving	1,954	1,984
Revolving - Term	0	0
Total	3,463	3,665
Commercial [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	30	135
2020	171	45
2019	31	110
2018	105	48
2017	41	18
Prior	11	7
Revolving	188	484
Revolving - Term	0	0
Total	577	847
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	2,317	72,417
2020	72,236	13,087
2019	12,079	7,046
2018	6,933	4,595
2017	4,439	23,156
Prior	47,727	28,092
Revolving	2,771	2,366
Revolving - Term	0	0
Total	148,502	150,759
Commercial real estate owner occupied professional & medical [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	2,317	72,417
2020	72,236	11,869
2019	10,866	7,046
2018	6,933	4,595
2017	4,439	22,939
Prior	47,269	27,905
Revolving	2,771	2,366
Revolving - Term	0	0
Total	146,831	149,137
Commercial real estate owner occupied professional & medical [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	1,146
2019	1,141	0
2018	0	0
2017	0	0
Prior	243	187
Revolving	0	0
Revolving - Term	0	0
Total	1,384	1,333
Commercial real estate owner occupied professional & medical [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	72
2019	72	0
2018	0	0
2017	0	217
Prior	215	0
Revolving	0	0
Revolving - Term	0	0
Total	287	289
Commercial real estate owner occupied retail [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	3,474	78,780
2020	77,537	29,749
2019	29,354	34,438
2018	31,901	8,813
2017	8,683	9,867
Prior	35,413	26,193
Revolving	2,641	2,464
Revolving - Term	0	0
Total	189,003	190,304
Commercial real estate owner occupied retail [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	3,474	78,780
2020	77,537	29,749
2019	29,354	33,114
2018	30,578	8,813
2017	8,683	9,318
Prior	33,463	25,296
Revolving	2,641	2,464
Revolving - Term	0	0
Total	185,730	187,534
Commercial real estate owner occupied retail [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	1,328	671
Revolving	0	0
Revolving - Term	0	0
Total	1,328	671
Commercial real estate owner occupied retail [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	1,324
2018	1,323	0
2017	0	549
Prior	622	226
Revolving	0	0
Revolving - Term	0	0
Total	1,945	2,099
Commercial real estate owner occupied other [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	5,738	32,864
2020	35,317	30,897
2019	34,086	13,216
2018	13,047	16,716
2017	15,920	7,501
Prior	45,625	39,631
Revolving	4,046	2,820
Revolving - Term	0	0
Total	153,779	143,645
Commercial real estate owner occupied other [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	5,738	32,805
2020	35,259	30,897
2019	34,086	13,216
2018	13,047	16,716
2017	15,920	7,501
Prior	44,747	38,796
Revolving	4,009	2,782
Revolving - Term	0	0
Total	152,806	142,713
Commercial real estate owner occupied other [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	59
2020	58	0
2019	0	0
2018	0	0
2017	0	0
Prior	578	532
Revolving	0	0
Revolving - Term	0	0
Total	636	591
Commercial real estate owner occupied other [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	300	303
Revolving	37	38
Revolving - Term	0	0
Total	337	341
Commercial Real Estate Owner Occupied [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	11,529	184,061
2020	185,090	73,733
2019	75,519	54,700
2018	51,881	30,124
2017	29,042	40,524
Prior	128,765	93,916
Revolving	9,458	7,650
Revolving - Term	0	0
Total	491,284	484,708
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	24,593	1,736
2020	1,726	6,143
2019	6,070	69,575
2018	69,718	15,949
2017	15,874	6,953
Prior	22,329	20,563
Revolving	2,772	7,531
Revolving - Term	0	0
Total	143,082	128,450
Commercial real estate non-owner occupied hotels & motels [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	24,593	1,736
2020	1,726	3,313
2019	3,283	32,634
2018	32,985	15,949
2017	15,874	6,953
Prior	22,081	20,308
Revolving	2,772	7,531
Revolving - Term	0	0
Total	103,314	88,424
Commercial real estate non-owner occupied hotels & motels [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	36,941
2018	36,733	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	36,733	36,941
Commercial real estate non-owner occupied hotels & motels [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	2,830
2019	2,787	0
2018	0	0
2017	0	0
Prior	248	255
Revolving	0	0
Revolving - Term	0	0
Total	3,035	3,085
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	958	13,294
2020	13,406	7,641
2019	8,291	9,218
2018	3,987	14,209
2017	14,055	4,506
Prior	13,386	10,156
Revolving	0	21
Revolving - Term	0	0
Total	54,083	59,045
Commercial real estate non-owner occupied mini-storage [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	958	13,294
2020	13,406	7,641
2019	8,291	9,218
2018	3,987	14,209
2017	14,055	4,506
Prior	13,340	10,109
Revolving	0	21
Revolving - Term	0	0
Total	54,037	58,998
Commercial real estate non-owner occupied mini-storage [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	46	47
Revolving	0	0
Revolving - Term	0	0
Total	46	47
Commercial real estate non-owner occupied mini-storage [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	0	0
Multifamily [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	33,082	55,367
2020	60,824	39,687
2019	39,759	45,016
2018	51,632	23,665
2017	23,493	14,629
Prior	59,426	51,252
Revolving	3,897	3,541
Revolving - Term	0	0
Total	272,113	233,157
Multifamily [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	33,082	55,367
2020	60,824	39,105
2019	39,668	45,016
2018	51,632	23,665
2017	23,493	14,629
Prior	59,332	51,155
Revolving	3,728	3,372
Revolving - Term	0	0
Total	271,759	232,309
Multifamily [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	582
2019	91	0
2018	0	0
2017	0	0
Prior	41	43
Revolving	169	169
Revolving - Term	0	0
Total	301	794
Multifamily [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	53	54
Revolving	0	0
Revolving - Term	0	0
Total	53	54
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	18,879	52,533
2020	52,270	42,177
2019	41,795	20,763
2018	13,845	7,653
2017	7,502	6,778
Prior	31,734	26,268
Revolving	6,573	6,586
Revolving - Term	0	0
Total	172,598	162,758
Commercial real estate non-owner occupied retail [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	18,879	52,533
2020	52,270	42,177
2019	41,795	20,763
2018	13,845	7,653
2017	7,502	6,778
Prior	30,073	24,958
Revolving	6,573	6,586
Revolving - Term	0	0
Total	170,937	161,448
Commercial real estate non-owner occupied retail [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	951	972
Revolving	0	0
Revolving - Term	0	0
Total	951	972
Commercial real estate non-owner occupied retail [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	710	338
Revolving	0	0
Revolving - Term	0	0
Total	710	338
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	11,369	107,962
2020	107,343	82,846
2019	64,889	14,211
2018	14,145	9,015
2017	7,388	11,421
Prior	60,711	54,546
Revolving	2,227	2,620
Revolving - Term	0	0
Total	268,072	282,621
Commercial real estate non-owner occupied other [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	11,369	107,962
2020	107,343	82,846
2019	64,889	14,211
2018	14,145	8,443
2017	6,818	11,421
Prior	57,798	51,587
Revolving	2,227	2,620
Revolving - Term	0	0
Total	264,589	279,090
Commercial real estate non-owner occupied other [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	572
2017	570	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	570	572
Commercial real estate non-owner occupied other [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	2,913	2,959
Revolving	0	0
Revolving - Term	0	0
Total	2,913	2,959
Commercial Real Estate Non-Owner Occupied [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	88,881	230,892
2020	235,569	178,494
2019	160,804	158,783
2018	153,327	70,491
2017	68,312	44,287
Prior	187,586	162,785
Revolving	15,469	20,299
Revolving - Term	0	0
Total	909,948	866,031
Land and Land Improvements [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	10,423	26,671
2020	24,715	14,205
2019	11,384	20,392
2018	20,166	5,627
2017	5,379	2,927
Prior	25,258	24,262
Revolving	5,878	6,721
Revolving - Term	0	0
Total	103,203	100,805
Land and Land Improvements [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	10,423	26,671
2020	24,715	14,050
2019	11,231	20,275
2018	20,051	5,627
2017	5,379	2,927
Prior	23,094	21,875
Revolving	5,878	6,721
Revolving - Term	0	0
Total	100,771	98,146
Land and Land Improvements [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	155
2019	153	117
2018	115	0
2017	0	0
Prior	576	591
Revolving	0	0
Revolving - Term	0	0
Total	844	863
Land and Land Improvements [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	1,588	1,796
Revolving	0	0
Revolving - Term	0	0
Total	1,588	1,796
Construction Loans [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	24,875	64,352
2020	67,427	64,022
2019	68,031	7,438
2018	317	1,407
2017	1,394	0
Prior	0	0
Revolving	8,841	8,320
Revolving - Term	0	0
Construction Loans [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Construction Loans [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	329
2017	328	0
Prior	171	170
Revolving	0	0
Revolving - Term	0	0
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	9,498	39,637
2020	37,446	34,962
2019	33,363	19,633
2018	18,531	19,693
2017	18,955	15,587
Prior	139,079	133,293
Revolving	0	0
Revolving - Term	0	0
Total	256,872	262,805
Residential 1-4 family real estate personal residence [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	9,497	39,637
2020	37,446	34,962
2019	33,363	18,974
2018	17,822	18,784
2017	18,050	14,597
Prior	120,774	115,384
Revolving	0	0
Revolving - Term	0	0
Total	236,952	242,338
Residential 1-4 family real estate personal residence [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	1	0
2020	0	0
2019	0	184
2018	182	62
2017	62	534
Prior	9,825	10,377
Revolving	0	0
Revolving - Term	0	0
Total	10,070	11,157
Residential 1-4 family real estate personal residence [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	475
2018	527	847
2017	843	456
Prior	8,480	7,532
Revolving	0	0
Revolving - Term	0	0
Total	9,850	9,310
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	5,795	30,571
2020	29,785	14,229
2019	13,318	14,283
2018	13,156	12,148
2017	10,268	7,081
Prior	41,431	38,903
Revolving	4,615	4,774
Revolving - Term	0	0
Total	118,368	121,989
Residential 1-4 family real estate rental - small loan [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	5,795	30,342
2020	29,557	13,990
2019	13,154	14,093
2018	12,975	11,524
2017	9,862	6,567
Prior	36,200	33,936
Revolving	4,483	4,630
Revolving - Term	0	0
Total	112,026	115,082
Residential 1-4 family real estate rental - small loan [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	229
2020	228	107
2019	106	57
2018	0	250
2017	0	1
Prior	1,482	1,579
Revolving	0	9
Revolving - Term	0	0
Total	1,816	2,232
Residential 1-4 family real estate rental - small loan [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	132
2019	58	133
2018	181	374
2017	406	513
Prior	3,749	3,388
Revolving	132	135
Revolving - Term	0	0
Total	4,526	4,675
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	4,166	34,558
2020	37,401	14,069
2019	12,481	5,971
2018	5,529	5,283
2017	4,373	2,790
Prior	16,298	15,359
Revolving	1,195	1,078
Revolving - Term	0	0
Total	81,443	79,108
Residential 1-4 family real estate rental - large loan [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	4,166	34,558
2020	37,401	14,069
2019	12,481	5,971
2018	5,529	5,283
2017	4,373	2,790
Prior	12,756	11,776
Revolving	1,195	1,078
Revolving - Term	0	0
Total	77,901	75,525
Residential 1-4 family real estate rental - large loan [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	28	29
Revolving	0	0
Revolving - Term	0	0
Total	28	29
Residential 1-4 family real estate rental - large loan [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	3,514	3,554
Revolving	0	0
Revolving - Term	0	0
Total	3,514	3,554
Home Equity [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	198	27
2020	117	115
2019	101	11
2018	11	50
2017	27	78
Prior	1,859	1,881
Revolving	68,457	69,950
Revolving - Term	0	0
Total	70,770	72,112
Home Equity [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	198	27
2020	117	115
2019	101	11
2018	11	50
2017	27	78
Prior	1,378	1,380
Revolving	66,808	68,293
Revolving - Term	0	0
Total	68,640	69,954
Home Equity [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	92	94
Revolving	1,392	1,399
Revolving - Term	0	0
Total	1,484	1,493
Home Equity [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	389	407
Revolving	257	258
Revolving - Term	0	0
Total	646	665
Mortgage Warehouse Lines [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	164,896	227,869
Revolving - Term	0	0
Total	164,896	227,869
Mortgage Warehouse Lines [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	164,896	227,869
Revolving - Term	0	0
Total	164,896	227,869
Mortgage Warehouse Lines [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	0	0
Mortgage Warehouse Lines [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	5,131	15,237
2020	13,094	6,810
2019	5,651	4,694
2018	3,697	1,844
2017	1,435	630
Prior	2,105	1,766
Revolving	982	942
Revolving - Term	0	0
Total	32,095	31,923
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	4,593	14,134
2020	12,289	6,333
2019	5,218	4,444
2018	3,502	1,767
2017	1,381	540
Prior	1,971	1,691
Revolving	943	902
Revolving - Term	0	0
Total	29,897	29,811
Consumer Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	381	904
2020	695	381
2019	368	210
2018	169	66
2017	46	87
Prior	129	53
Revolving	11	11
Revolving - Term	0	0
Total	1,799	1,712
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	157	199
2020	110	96
2019	65	40
2018	26	11
2017	8	3
Prior	5	22
Revolving	28	29
Revolving - Term	0	0
Total	399	400
Credit Card Receivable [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	1,991	1,891
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	1,991	1,891
Credit Card Receivable [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	1,991	1,891
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	1,991	1,891
Credit Card Receivable [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Total	0
Credit Card Receivable [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Total	0
Bank Overdrafts [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	885	811
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	885	811
Bank Overdrafts [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	885	811
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	885	811
Bank Overdrafts [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Total	0
Bank Overdrafts [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Total	0
Other Financing Receivable [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	2,876	2,702
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Total	$ 2,876	$ 2,702

XML

Loans and Allowance For Credit Losses Loans (Schedule of Restructured Trouble Debt Restructuring By Class) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022 USD ($) contract	Mar. 31, 2021 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	6	0
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 335	$ 0
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 335	$ 0
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	6	0
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 335	$ 0
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 335	$ 0

XML

Loans and Allowance For Credit Losses Loans (Schedule of Defaults During Stated Period Of Trouble Debt Restructurings) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022 USD ($) loan	Mar. 31, 2021 USD ($) loan
Financing Receivable, Impaired [Line Items]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts | loan	4	2
Financing Receivable, Troubled Debt Restructuring, Subsequent Default | $	$ 315	$ 447
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts | loan	4	1
Financing Receivable, Troubled Debt Restructuring, Subsequent Default | $	$ 315	$ 48
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts | loan	0	1
Financing Receivable, Troubled Debt Restructuring, Subsequent Default | $	$ 0	$ 399

XML

Loans and Allowance For Credit Losses (Risk Ratings) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	$ 2,850,621	$ 2,761,391
2021	214,840	753,426
2020	745,359	437,302
2019	413,839	317,200
2018	291,703	152,634
2017	144,326	122,813
Prior	564,737	486,942
Revolving	475,817	491,074
Revolving - Term	0	0
Commercial [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	447,482	365,301
2021	51,468	124,718
2020	114,715	36,663
2019	33,187	31,295
2018	25,088	5,638
2017	4,813	8,909
Prior	22,185	14,607
Revolving	196,026	143,471
Revolving - Term	0	0
Commercial [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	443,442	360,789
2021	51,438	123,890
2020	113,621	36,339
2019	32,878	31,116
2018	24,917	5,549
2017	4,735	8,831
Prior	21,969	14,061
Revolving	193,884	141,003
Revolving - Term	0	0
Commercial [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,463	3,665
2021	0	693
2020	923	279
2019	278	69
2018	66	41
2017	37	60
Prior	205	539
Revolving	1,954	1,984
Revolving - Term	0	0
Commercial [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	577	847
2021	30	135
2020	171	45
2019	31	110
2018	105	48
2017	41	18
Prior	11	7
Revolving	188	484
Revolving - Term	0	0
Commercial real estate owner occupied professional & medical [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	148,502	150,759
2021	2,317	72,417
2020	72,236	13,087
2019	12,079	7,046
2018	6,933	4,595
2017	4,439	23,156
Prior	47,727	28,092
Revolving	2,771	2,366
Revolving - Term	0	0
Commercial real estate owner occupied professional & medical [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	146,831	149,137
2021	2,317	72,417
2020	72,236	11,869
2019	10,866	7,046
2018	6,933	4,595
2017	4,439	22,939
Prior	47,269	27,905
Revolving	2,771	2,366
Revolving - Term	0	0
Commercial real estate owner occupied professional & medical [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,384	1,333
2021	0	0
2020	0	1,146
2019	1,141	0
2018	0	0
2017	0	0
Prior	243	187
Revolving	0	0
Revolving - Term	0	0
Commercial real estate owner occupied professional & medical [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	287	289
2021	0	0
2020	0	72
2019	72	0
2018	0	0
2017	0	217
Prior	215	0
Revolving	0	0
Revolving - Term	0	0
Commercial real estate owner occupied retail [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	189,003	190,304
2021	3,474	78,780
2020	77,537	29,749
2019	29,354	34,438
2018	31,901	8,813
2017	8,683	9,867
Prior	35,413	26,193
Revolving	2,641	2,464
Revolving - Term	0	0
Commercial real estate owner occupied retail [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	185,730	187,534
2021	3,474	78,780
2020	77,537	29,749
2019	29,354	33,114
2018	30,578	8,813
2017	8,683	9,318
Prior	33,463	25,296
Revolving	2,641	2,464
Revolving - Term	0	0
Commercial real estate owner occupied retail [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,328	671
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	1,328	671
Revolving	0	0
Revolving - Term	0	0
Commercial real estate owner occupied retail [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,945	2,099
2021	0	0
2020	0	0
2019	0	1,324
2018	1,323	0
2017	0	549
Prior	622	226
Revolving	0	0
Revolving - Term	0	0
Commercial real estate owner occupied other [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	153,779	143,645
2021	5,738	32,864
2020	35,317	30,897
2019	34,086	13,216
2018	13,047	16,716
2017	15,920	7,501
Prior	45,625	39,631
Revolving	4,046	2,820
Revolving - Term	0	0
Commercial real estate owner occupied other [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	152,806	142,713
2021	5,738	32,805
2020	35,259	30,897
2019	34,086	13,216
2018	13,047	16,716
2017	15,920	7,501
Prior	44,747	38,796
Revolving	4,009	2,782
Revolving - Term	0	0
Commercial real estate owner occupied other [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	636	591
2021	0	59
2020	58	0
2019	0	0
2018	0	0
2017	0	0
Prior	578	532
Revolving	0	0
Revolving - Term	0	0
Commercial real estate owner occupied other [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	337	341
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	300	303
Revolving	37	38
Revolving - Term	0	0
Commercial Real Estate Owner Occupied [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	491,284	484,708
2021	11,529	184,061
2020	185,090	73,733
2019	75,519	54,700
2018	51,881	30,124
2017	29,042	40,524
Prior	128,765	93,916
Revolving	9,458	7,650
Revolving - Term	0	0
Commercial real estate non-owner occupied hotels & motels [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	143,082	128,450
2021	24,593	1,736
2020	1,726	6,143
2019	6,070	69,575
2018	69,718	15,949
2017	15,874	6,953
Prior	22,329	20,563
Revolving	2,772	7,531
Revolving - Term	0	0
Commercial real estate non-owner occupied hotels & motels [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	103,314	88,424
2021	24,593	1,736
2020	1,726	3,313
2019	3,283	32,634
2018	32,985	15,949
2017	15,874	6,953
Prior	22,081	20,308
Revolving	2,772	7,531
Revolving - Term	0	0
Commercial real estate non-owner occupied hotels & motels [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	36,733	36,941
2021	0	0
2020	0	0
2019	0	36,941
2018	36,733	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied hotels & motels [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,035	3,085
2021	0	0
2020	0	2,830
2019	2,787	0
2018	0	0
2017	0	0
Prior	248	255
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied mini-storage [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	54,083	59,045
2021	958	13,294
2020	13,406	7,641
2019	8,291	9,218
2018	3,987	14,209
2017	14,055	4,506
Prior	13,386	10,156
Revolving	0	21
Revolving - Term	0	0
Commercial real estate non-owner occupied mini-storage [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	54,037	58,998
2021	958	13,294
2020	13,406	7,641
2019	8,291	9,218
2018	3,987	14,209
2017	14,055	4,506
Prior	13,340	10,109
Revolving	0	21
Revolving - Term	0	0
Commercial real estate non-owner occupied mini-storage [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	46	47
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	46	47
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied mini-storage [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Multifamily [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	272,113	233,157
2021	33,082	55,367
2020	60,824	39,687
2019	39,759	45,016
2018	51,632	23,665
2017	23,493	14,629
Prior	59,426	51,252
Revolving	3,897	3,541
Revolving - Term	0	0
Multifamily [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	271,759	232,309
2021	33,082	55,367
2020	60,824	39,105
2019	39,668	45,016
2018	51,632	23,665
2017	23,493	14,629
Prior	59,332	51,155
Revolving	3,728	3,372
Revolving - Term	0	0
Multifamily [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	301	794
2021	0	0
2020	0	582
2019	91	0
2018	0	0
2017	0	0
Prior	41	43
Revolving	169	169
Revolving - Term	0	0
Multifamily [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	53	54
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	53	54
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied retail [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	172,598	162,758
2021	18,879	52,533
2020	52,270	42,177
2019	41,795	20,763
2018	13,845	7,653
2017	7,502	6,778
Prior	31,734	26,268
Revolving	6,573	6,586
Revolving - Term	0	0
Commercial real estate non-owner occupied retail [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	170,937	161,448
2021	18,879	52,533
2020	52,270	42,177
2019	41,795	20,763
2018	13,845	7,653
2017	7,502	6,778
Prior	30,073	24,958
Revolving	6,573	6,586
Revolving - Term	0	0
Commercial real estate non-owner occupied retail [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	951	972
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	951	972
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied retail [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	710	338
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	710	338
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied other [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	268,072	282,621
2021	11,369	107,962
2020	107,343	82,846
2019	64,889	14,211
2018	14,145	9,015
2017	7,388	11,421
Prior	60,711	54,546
Revolving	2,227	2,620
Revolving - Term	0	0
Commercial real estate non-owner occupied other [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	264,589	279,090
2021	11,369	107,962
2020	107,343	82,846
2019	64,889	14,211
2018	14,145	8,443
2017	6,818	11,421
Prior	57,798	51,587
Revolving	2,227	2,620
Revolving - Term	0	0
Commercial real estate non-owner occupied other [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	570	572
2021	0	0
2020	0	0
2019	0	0
2018	0	572
2017	570	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Commercial real estate non-owner occupied other [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,913	2,959
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	2,913	2,959
Revolving	0	0
Revolving - Term	0	0
Land and Land Improvements [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	103,203	100,805
2021	10,423	26,671
2020	24,715	14,205
2019	11,384	20,392
2018	20,166	5,627
2017	5,379	2,927
Prior	25,258	24,262
Revolving	5,878	6,721
Revolving - Term	0	0
Land and Land Improvements [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	100,771	98,146
2021	10,423	26,671
2020	24,715	14,050
2019	11,231	20,275
2018	20,051	5,627
2017	5,379	2,927
Prior	23,094	21,875
Revolving	5,878	6,721
Revolving - Term	0	0
Land and Land Improvements [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	844	863
2021	0	0
2020	0	155
2019	153	117
2018	115	0
2017	0	0
Prior	576	591
Revolving	0	0
Revolving - Term	0	0
Land and Land Improvements [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,588	1,796
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	1,588	1,796
Revolving	0	0
Revolving - Term	0	0
Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	171,384	146,038
2021	24,875	64,352
2020	67,427	64,022
2019	68,031	7,438
2018	317	1,736
2017	1,722	0
Prior	171	170
Revolving	8,841	8,320
Revolving - Term	0	0
Construction | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	170,885	145,539
Construction | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
Construction | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	499	499
Construction And Development Financial Receivable [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	274,587	246,843
2021	35,298	91,023
2020	92,142	78,227
2019	79,415	27,830
2018	20,483	7,363
2017	7,101	2,927
Prior	25,429	24,432
Revolving	14,719	15,041
Revolving - Term	0	0
Residential 1-4 family real estate personal residence [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	256,872	262,805
2021	9,498	39,637
2020	37,446	34,962
2019	33,363	19,633
2018	18,531	19,693
2017	18,955	15,587
Prior	139,079	133,293
Revolving	0	0
Revolving - Term	0	0
Residential 1-4 family real estate personal residence [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	236,952	242,338
2021	9,497	39,637
2020	37,446	34,962
2019	33,363	18,974
2018	17,822	18,784
2017	18,050	14,597
Prior	120,774	115,384
Revolving	0	0
Revolving - Term	0	0
Residential 1-4 family real estate personal residence [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	10,070	11,157
2021	1	0
2020	0	0
2019	0	184
2018	182	62
2017	62	534
Prior	9,825	10,377
Revolving	0	0
Revolving - Term	0	0
Residential 1-4 family real estate personal residence [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	9,850	9,310
2021	0	0
2020	0	0
2019	0	475
2018	527	847
2017	843	456
Prior	8,480	7,532
Revolving	0	0
Revolving - Term	0	0
Residential 1-4 family real estate rental - small loan [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	118,368	121,989
2021	5,795	30,571
2020	29,785	14,229
2019	13,318	14,283
2018	13,156	12,148
2017	10,268	7,081
Prior	41,431	38,903
Revolving	4,615	4,774
Revolving - Term	0	0
Residential 1-4 family real estate rental - small loan [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	112,026	115,082
2021	5,795	30,342
2020	29,557	13,990
2019	13,154	14,093
2018	12,975	11,524
2017	9,862	6,567
Prior	36,200	33,936
Revolving	4,483	4,630
Revolving - Term	0	0
Residential 1-4 family real estate rental - small loan [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,816	2,232
2021	0	229
2020	228	107
2019	106	57
2018	0	250
2017	0	1
Prior	1,482	1,579
Revolving	0	9
Revolving - Term	0	0
Residential 1-4 family real estate rental - small loan [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	4,526	4,675
2021	0	0
2020	0	132
2019	58	133
2018	181	374
2017	406	513
Prior	3,749	3,388
Revolving	132	135
Revolving - Term	0	0
Residential 1-4 family real estate rental - large loan [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	81,443	79,108
2021	4,166	34,558
2020	37,401	14,069
2019	12,481	5,971
2018	5,529	5,283
2017	4,373	2,790
Prior	16,298	15,359
Revolving	1,195	1,078
Revolving - Term	0	0
Residential 1-4 family real estate rental - large loan [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	77,901	75,525
2021	4,166	34,558
2020	37,401	14,069
2019	12,481	5,971
2018	5,529	5,283
2017	4,373	2,790
Prior	12,756	11,776
Revolving	1,195	1,078
Revolving - Term	0	0
Residential 1-4 family real estate rental - large loan [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	28	29
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	28	29
Revolving	0	0
Revolving - Term	0	0
Residential 1-4 family real estate rental - large loan [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	3,514	3,554
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	3,514	3,554
Revolving	0	0
Revolving - Term	0	0
Home Equity [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	70,770	72,112
2021	198	27
2020	117	115
2019	101	11
2018	11	50
2017	27	78
Prior	1,859	1,881
Revolving	68,457	69,950
Revolving - Term	0	0
Home Equity [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	68,640	69,954
2021	198	27
2020	117	115
2019	101	11
2018	11	50
2017	27	78
Prior	1,378	1,380
Revolving	66,808	68,293
Revolving - Term	0	0
Home Equity [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,484	1,493
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	92	94
Revolving	1,392	1,399
Revolving - Term	0	0
Home Equity [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	646	665
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	389	407
Revolving	257	258
Revolving - Term	0	0
Residental 1-4 Family Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	527,453	536,014
2021	19,657	104,793
2020	104,749	63,375
2019	59,263	39,898
2018	37,227	37,174
2017	33,623	25,536
Prior	198,667	189,436
Revolving	74,267	75,802
Revolving - Term	0	0
Mortgage Warehouse Lines [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	164,896	227,869
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	164,896	227,869
Revolving - Term	0	0
Mortgage Warehouse Lines [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	164,896	227,869
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	164,896	227,869
Revolving - Term	0	0
Mortgage Warehouse Lines [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Mortgage Warehouse Lines [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	32,095	31,923
2021	5,131	15,237
2020	13,094	6,810
2019	5,651	4,694
2018	3,697	1,844
2017	1,435	630
Prior	2,105	1,766
Revolving	982	942
Revolving - Term	0	0
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	29,897	29,811
2021	4,593	14,134
2020	12,289	6,333
2019	5,218	4,444
2018	3,502	1,767
2017	1,381	540
Prior	1,971	1,691
Revolving	943	902
Revolving - Term	0	0
Consumer Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,799	1,712
2021	381	904
2020	695	381
2019	368	210
2018	169	66
2017	46	87
Prior	129	53
Revolving	11	11
Revolving - Term	0	0
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	399	400
2021	157	199
2020	110	96
2019	65	40
2018	26	11
2017	8	3
Prior	5	22
Revolving	28	29
Revolving - Term	0	0
Credit Card Receivable [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,991	1,891
2021	1,991	1,891
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Credit Card Receivable [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	1,991	1,891
2021	1,991	1,891
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Credit Card Receivable [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Credit Card Receivable [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Bank Overdrafts [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	885	811
2021	885	811
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Bank Overdrafts [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	885	811
2021	885	811
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Bank Overdrafts [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Bank Overdrafts [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	0
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving	0
Revolving - Term	0
Other Financing Receivable [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	2,876	2,702
2021	2,876	2,702
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Construction Loans [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	24,875	64,352
2020	67,427	64,022
2019	68,031	7,438
2018	317	1,407
2017	1,394	0
Prior	0	0
Revolving	8,841	8,320
Revolving - Term	0	0
Construction Loans [Member] | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving	0	0
Revolving - Term	0	0
Construction Loans [Member] | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	329
2017	328	0
Prior	171	170
Revolving	0	0
Revolving - Term	0	0
Commercial Real Estate Non-Owner Occupied [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, before Allowance for Credit Loss	909,948	866,031
2021	88,881	230,892
2020	235,569	178,494
2019	160,804	158,783
2018	153,327	70,491
2017	68,312	44,287
Prior	187,586	162,785
Revolving	15,469	20,299
Revolving - Term	$ 0	$ 0

XML

Goodwill And Other Intangible Assets (Summary Of Goodwill Activity) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022 USD ($)
Goodwill [Roll Forward]
Goodwill, Transfers	$ 0
Community Banking [Member]
Goodwill [Roll Forward]
Goodwill, beginning balance	55,347
Goodwill, Acquired During Period	0
Goodwill, ending balance	$ 55,347

XML

Goodwill And Other Intangible Assets (Summary Of Other Intangible Assets) (Details) - Community Banking [Member] - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Goodwill [Line Items]
Identifiable intangible assets, Gross carrying amount	$ 15,828	$ 15,828
Identifiable intangible assets, Less: accumulated amortization	7,963	7,585
Identifiable intangible assets, Net carrying amount	$ 7,865	$ 8,243

XML

Goodwill And Other Intangible Assets (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Recorded amortization expense	$ 378,000	$ 405,000

XML

Goodwill And Other Intangible Assets Schedule of Amortization Expense (Details) - Core Deposits [Member] $ in Thousands	Mar. 31, 2022 USD ($)
Schedule of Amortization of Intangibles [Line Items]
Finite-Lived Intangible Asset, Expected Amortization, Year One	$ 1,063
Finite-Lived Intangible Asset, Expected Amortization, Year Two	1,299
Finite-Lived Intangible Asset, Expected Amortization, Year Three	1,158
Finite-Lived Intangible Asset, Expected Amortization, Year Four	1,019
Finite-Lived Intangible Asset, Expected Amortization, Year Five	878
Finite-Lived Intangible Asset, Expected Amortization, after Year Five	$ 2,378

XML

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Time Deposits, at or Above FDIC Insurance Limit	$ 116,200	$ 98,900
Time deposits acquired through a third party (brokered deposits)	$ 32,800	$ 14,700

XML

Borrowed Funds (Short Term Borrowings) (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Federal Home Loan Banks [Abstract]
Federal Funds Purchased	$ 146	$ 146

XML

Borrowed Funds (Summary Of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Debt Instrument [Line Items]
Beginning Balance	$ 140,146		$ 140,146	[1]
Short-term FHLB Advances [Member]
Debt Instrument [Line Items]
Beginning Balance	140,000	$ 140,000	140,000
Average balance outstanding for the period	140,084	140,000	140,000
Maximum balance outstanding at any month end during period	$ 140,000	$ 140,000	$ 140,000
Weighted average interest rate for the period	0.41%	0.37%	0.33%
Weighted average interest rate for balances outstanding	0.47%	0.38%	0.26%

[1] Derived from audited consolidated financial statements

XML

Borrowed Funds (Long-term Borrowings) (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2021	Sep. 30, 2020	Mar. 31, 2022
Debt Disclosure [Abstract]
Long-term borrowings	$ 679		$ 674
Average interest rate paid on long-term borrowings	5.34%		5.34%
Federal Home Loan Bank Collateral Amount for Advances			$ 1,680,000
Debt Instrument, Basis Spread on Variable Rate	230.00%	487.00%

XML

Borrowed Funds (Subordinated Debentures Owed to Unconsolidated Subsidiary Trusts) (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022 USD ($) trust	Dec. 31, 2021 USD ($)	[1]
Debt Instrument [Line Items]
Number of statutory business trusts | trust	3
Subordinated debentures owed to unconsolidated subsidiary trusts | $	$ 19,589	$ 19,589
Trust preferred securities limited to tier one capital elements, net of goodwill	25.00%

[1] Derived from audited consolidated financial statements

XML

Borrowed Funds (Subordinated Debentures) (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2021	Sep. 30, 2020	Mar. 31, 2022
Subordinated Borrowing [Line Items]
Subordinated Debt	$ 102,891		$ 102,997
Subordinated Debt not Net of Issuance Costs	75,000	$ 30,000
Debt Issuance Costs, Net	$ 1,670	$ 664
Number of Maturity Years Remaining to Qualify as Tier 2 Capital	5 years	5 years
Percent Reduction Each Year to Tier 2 Capital until Subordinated Debt Maturity Date	20.00%	20.00%
Subordinated Borrowing, Interest Rate	3.25%	5.00%
Debt Instrument, Basis Spread on Variable Rate	230.00%	487.00%
Subordinated Debenture Term	10 years	10 years
Number of Years Subordinated Debt not Pre-Payable	5 years	5 years
Issued Fourth Quarter 2021 [Member]
Subordinated Borrowing [Line Items]
Subordinated Debt	$ 73,400		73,500
Issued Third Quarter 2020 [Member]
Subordinated Borrowing [Line Items]
Subordinated Debt	$ 29,500		$ 29,500

XML

Borrowed Funds (Summary Of The Maturities Of All Long-Term Borrowings And Subordinated Debentures) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Total	$ 674	$ 679
Subordinated Debt
2022	0
2023	0
2024	0
2025	0
2026	0
Thereafter	105,000
Total	105,000
Junior Subordinated Debt
2022	0
2023	0
2024	0
2025	0
2026	0
Thereafter	19,589
Total	19,589
Long-term Debt
2022	16
2023	22
2024	23
2025	24
2026	589
Thereafter	0
Total	$ 674

XML

Share Based Compensation Share Based Compensation (Narrative) (Details) - USD ($)	3 Months Ended			12 Months Ended
	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Expense	$ 169,000		$ 126,000
Share-based Payment Arrangement, Expense, Tax Benefit	$ 41,000		$ 30,000
Years for Unrecognized Compensation Expense Expected to be Recognized on Nonvested Awards	2 years 3 months 21 days
Share-based Compensation Arrangement by Share-based Payment Award, Shares Issued in Period	0
Unrecognized Compensation Expense Nonvested Awards	$ 2,180,000
7 Year Vesting Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period		7 years
Share-based Compensation Arrangement by Share-based Payment Award, Shares Issued in Period		54,947
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value		$ 9.44
Percentage vested per year		14.30%
Expiration period		10 years
5 Year Vesting Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period				5 years
Share-based Compensation Arrangement by Share-based Payment Award, Shares Issued in Period				122,542
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value				$ 9.34
Percentage vested per year				20.00%
Expiration period				10 years
Minimum [Member] | Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years
Maximum [Member] | Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	5 years

XML

Share Based Compensation (Summary Of Activity In Stock Option Plans) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding Options, Exercised	(390)	(380)
Employee Stock Option and Stock Appreciation Rights (SARs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	$ 0	$ 1,989
Share-based Payment Arrangement, Option, Exercise Price Range, Outstanding, Weighted Average Remaining Contractual Term	6 years 9 months 10 days	6 years 1 month 6 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number	244,557	218,216
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 1,363	$ 1,751
Share-based Payment Arrangement, Option, Exercise Price Range, Exercisable, Weighted Average Remaining Contractual Term	4 years 11 months 1 day	5 years 5 months 4 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 20.15	$ 18.53
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding Options, Beginning Balance	491,792	329,203
Outstanding Options, Granted	0	0
Outstanding Options, Exercised	(700)	(800)
Outstanding Options, Forfeited	0	0
Outstanding Options, Expired	0	0
Outstanding Options, Ending Balance	491,092	328,403
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding, Weighted-Average Exercise Price, Beginning Balance	$ 21.32	$ 20.47
Outstanding, Weighted-Average Exercise Price, Granted	0	0
Outstanding, Weighted-Average Exercise Price, Exercised	12.01	12.01
Outstanding, Weighted-Average Exercise Price, Forfeited	0	0
Outstanding, Weighted-Average Exercise Price, Expired	0	0
Outstanding, Weighted-Average Exercise Price, Ending Balance	$ 21.33	$ 20.49

XML

Share Based Compensation Schedule of Share-based Compensation, Restricted Stock Units Award Activity (Details) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(1,846)
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	11,169	15,686	13,015	15,686
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 20.28	$ 20.40	$ 21.24	$ 20.40
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	0	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period	0	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(1,846)	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	$ 27.09	$ 0

XML

Share Based Compensation Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions (Details)	3 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2021
7 Year Vesting Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	1.06%
Expected dividend yield	3.00%
Expected common stock volatility	55.59%
Expected life	7 years
5 Year Vesting Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate		0.74%
Expected dividend yield		3.00%
Expected common stock volatility		55.59%
Expected life		5 years 6 months

XML

Commitments And Contingencies (Details) $ in Thousands	Mar. 31, 2022 USD ($)
Loss Contingencies [Line Items]
Total unfunded commitments	$ 840,705
Revolving Home Equity And Credit Card Lines [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	99,419
Construction [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	296,068
Other Loans [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	422,148
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Total unfunded commitments	$ 23,070

XML

Commitments And Contingencies Commitments and Contingencies (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Off-Balance Sheet, Credit Loss, Liability	$ 8,390		$ 7,280
Provision for credit losses	1,950	$ 1,500
Provision for Credit Losses on Unfunded Commitments	$ 1,120	$ (485)

XML

Preferred Stock (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	Apr. 30, 2021	Mar. 31, 2022	Dec. 31, 2021
Text Block [Abstract]
Preferred Stock, Shares Issued	1,500	1,500	1,500
Preferred Stock, Value, Outstanding	$ 15,000
Preferred Stock, Par or Stated Value Per Share	$ 1.00	$ 1.00	$ 1.00
Preferred Stock, Liquidation Preference Per Share	$ 10,000
Preferred Stock, Dividend Rate, Percentage	6.00%

XML

Regulatory Matters (Summary Of Actual Capital Amounts And Ratios) (Details) $ in Thousands	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Summit [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 (to risk weighted assets), Actual Amount	$ 264,327	$ 257,122
CET1 (to risk weighted assets), Actual Ratio	0.082	0.084
CET1 (to risk weighted assets), Minimum Required Capital, Amount	$ 225,645	$ 214,268
CET1 (to risk weighted assets), Minimum Required Capital, Ratio	7.00%	7.00%
Tier I Capital (to risk weighted assets), Actual Amount	$ 298,247	$ 291,042
Tier I Capital (to risk weighted assets), Actual Ratio	0.093	0.095
Tier I Capital (to risk weighted assets), Minimum Required Capital, Amount	$ 272,591	$ 260,406
Tier I Capital (to risk weighted assets), Minimum Required Capital, Ratio	0.085	0.085
Total Capital (to risk weighted assets), Actual Amount	$ 432,110	$ 420,045
Total Capital (to risk weighted assets), Actual Ratio	0.135	0.138
Total Capital (to risk weighted assets), Minimum Required Capital, Amount	$ 336,086	$ 319,599
Total Capital (to risk weighted assets), Minimum Required Capital, Ratio	0.105	0.105
Tier I Capital (to average assets), Actual Amount	$ 298,247	$ 291,042
Tier I Capital (to average assets), Actual Ratio	0.084	0.083
Tier I Capital (to average assets), Minimum Required Capital, Amount	$ 142,022	$ 140,261
Tier I Capital (to average assets), Minimum Required Capital, Ratio	0.040	0.040
Summit Community [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 (to risk weighted assets), Actual Amount	$ 370,527	$ 364,125
CET1 (to risk weighted assets), Actual Ratio	0.116	0.119
CET1 (to risk weighted assets), Minimum Required Capital, Amount	$ 223,594	$ 214,191
CET1 (to risk weighted assets), Minimum Required Capital, Ratio	7.00%	7.00%
CET1 (to risk weighted assets), Minimum Required To Be Well Capitalized, Amount	$ 207,623	$ 198,892
CET1 (to risk weighted assets), Minimum Required To Be Well Capitalized, Ratio	6.50%	6.50%
Tier I Capital (to risk weighted assets), Actual Amount	$ 370,527	$ 364,125
Tier I Capital (to risk weighted assets), Actual Ratio	0.116	0.119
Tier I Capital (to risk weighted assets), Minimum Required Capital, Amount	$ 271,507	$ 260,089
Tier I Capital (to risk weighted assets), Minimum Required Capital, Ratio	0.085	0.085
Tier I Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Amount	$ 255,536	$ 244,790
Tier I Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Ratio	0.080	0.080
Total Capital (to risk weighted assets), Actual Amount	$ 401,393	$ 390,236
Total Capital (to risk weighted assets), Actual Ratio	0.125	0.128
Total Capital (to risk weighted assets), Minimum Required Capital, Amount	$ 337,170	$ 320,115
Total Capital (to risk weighted assets), Minimum Required Capital, Ratio	0.105	0.105
Total Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Amount	$ 321,114	$ 304,872
Total Capital (to risk weighted assets), Minimum Required To Be Well Capitalized, Ratio	0.100	0.100
Tier I Capital (to average assets), Actual Amount	$ 370,527	$ 364,125
Tier I Capital (to average assets), Actual Ratio	0.105	0.104
Tier I Capital (to average assets), Minimum Required Capital, Amount	$ 141,153	$ 140,048
Tier I Capital (to average assets), Minimum Required Capital, Ratio	0.040	0.040
Tier I Capital (to average assets), Minimum Required To Be Well Capitalized, Amount	$ 176,441	$ 175,060
Tier I Capital (to average assets), Minimum Required To Be Well Capitalized, Ratio	0.050	0.050

XML

Derivative Financial Instruments (Narrative) (Details) $ in Thousands	Mar. 31, 2022 USD ($) contract
Cash Flow Hedges
Derivative [Line Items]
Number of forward-starting, pay-fixed/receive LIBOR interest rate swaps | contract	2
Interest Rate Swap Maturing October 18 2023 [Member]
Derivative [Line Items]
Derivative Liability, Notional Amount	$ 20,000
Notional Amount	$ 20,000
Derivative, swaption interest rate	1.07%
Interest Rate Swap Maturing October 18 2024 [Member]
Derivative [Line Items]
Derivative Liability, Notional Amount	$ 20,000
Notional Amount	$ 20,000
Derivative, swaption interest rate	1.1055%
Interest Rate Cap [Member]
Derivative [Line Items]
Number of forward-starting, pay-fixed/receive LIBOR interest rate swaps | contract	2
Interest Rate Cap Maturing April 18, 2030
Derivative [Line Items]
Derivative, Cap Interest Rate	0.75%
Derivative Liability, Notional Amount	$ 100,000
Notional Amount	$ 100,000
Interest Rate Cap Maturing December 18, 2025
Derivative [Line Items]
Derivative, Cap Interest Rate	0.50%
Derivative Liability, Notional Amount	$ 100,000
Notional Amount	$ 100,000
Fair Value Hedging
Derivative [Line Items]
Number of forward-starting, pay-fixed/receive LIBOR interest rate swaps | contract	2
Interest Rate Swap Available for Sale Taxable Municipal Securities
Derivative [Line Items]
Derivative Asset, Notional Amount	$ 71,200
Fair Value Hedging | Commercial Real Estate [Member]
Derivative [Line Items]
Derivative Asset, Notional Amount	$ 21,300

XML

Derivative Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Document Period End Date	Mar. 31, 2022
Short-term Debt [Member] | Cash Flow Hedges | Interest Rate Swap [Member]
Derivative [Line Items]
Derivative Liability, Notional Amount	$ 40,000	$ 40,000
Cash Flow Hedge Derivative Instrument Assets at Fair Value	1,078	0
Cash Flow Hedge Derivative Instrument Liabilities at Fair Value	0	83
Gain (Loss) on Cash Flow Hedge Ineffectiveness, Net	0	0
Short-term Debt [Member] | Cash Flow Hedges | Interest Rate Cap [Member]
Derivative [Line Items]
Derivative Liability, Notional Amount	100,000	100,000
Cash Flow Hedge Derivative Instrument Assets at Fair Value	14,244	8,336
Cash Flow Hedge Derivative Instrument Liabilities at Fair Value	0	0
Gain (Loss) on Cash Flow Hedge Ineffectiveness, Net	0	0
Commercial Real Estate [Member] | Fair Value Hedges
Derivative [Line Items]
Derivative Asset, Notional Amount	21,300
Commercial Real Estate [Member] | Fair Value Hedges | Interest Rate Swap [Member]
Derivative [Line Items]
Derivative Asset, Notional Amount	17,383	17,548
Derivative Fair Value, Asset	235	0
Derivative Fair Value, Liability	0	512
Net Ineffectiveness Hedge Gains/(Losses)	0	0
Indexed Interest Bearing Demand Deposit Accounts | Cash Flow Hedges | Interest Rate Cap [Member]
Derivative [Line Items]
Derivative Liability, Notional Amount	100,000	100,000
Cash Flow Hedge Derivative Instrument Assets at Fair Value	6,709	2,851
Cash Flow Hedge Derivative Instrument Liabilities at Fair Value	0	0
Gain (Loss) on Cash Flow Hedge Ineffectiveness, Net	0	0
Available-for-sale Securities | Fair Value Hedges | Interest Rate Swap [Member]
Derivative [Line Items]
Derivative Asset, Notional Amount	71,245	71,245
Derivative Fair Value, Asset	2,189	0
Derivative Fair Value, Liability	0	529
Net Ineffectiveness Hedge Gains/(Losses)	$ (6)	$ 22

XML

Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021		Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	$ 330,466	$ 293,445	$ 327,473	[1]	$ 281,580
Other Comprehensive Income (Loss), Net of Tax	(6,555)	3,373
Accumulated other comprehensive (loss) income	(1,073)		5,482	[1]
Accumulated Pension Plan Adjustment Net Unamortized Gain Loss [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	30	(199)	30		(199)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0
Other Comprehensive Income (Loss), Net of Tax	0	0
Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	9	(40)	9		(40)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0
Other Comprehensive Income (Loss), Net of Tax	0	0
Accumulated Net Gain (Loss) from Cash Flow Hedges Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	12,454	4,958	3,993		(1,132)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	8,461	6,090
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0	0
Other Comprehensive Income (Loss), Net of Tax	8,461	6,090
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(15,218)	4,099	1,868		6,816
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(17,202)	(2,355)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	116	(362)
Other Comprehensive Income (Loss), Net of Tax	(17,086)	(2,717)
Accumulated Other Comprehensive Income [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Stockholders' Equity Attributable to Parent	(1,073)	8,818	5,482		$ 5,445
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(6,671)	3,735
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	116	(362)
Other Comprehensive Income (Loss), Net of Tax	(6,555)	$ 3,373
AOCI, Accumulated Gain (Loss), Securities Fair Value Hedge, Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	2,070
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	0
Other Comprehensive Income (Loss), Net of Tax	2,070
Accumulated other comprehensive (loss) income	$ 1,652		$ (418)

[1] Derived from audited consolidated financial statements

XML

Income Taxes Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Income Tax Disclosure [Abstract]
Income tax expense	$ 3,257	$ 2,933
Effective Income Tax Rate Reconciliation, Percent	21.80%	22.10%

XML

Income Taxes Income Taxes (Reconciliation Statutory Income Tax Rates) (Details)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent	(1.40%)	(1.60%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent	1.90%	2.20%
Effective Income Tax Rate Reconciliation, Low-Income Housing and Rehabilitation, Percent	(0.20%)	(0.30%)
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	0.50%	0.80%
Effective Income Tax Rate Reconciliation, Percent	21.80%	22.10%

XML

Income Taxes Income Taxes (Schedule of Components of Applicable Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Current Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current Federal Tax Expense (Benefit)	$ 2,326	$ 2,675
Current State and Local Tax Expense (Benefit)	270	385
Current Income Tax Expense (Benefit)	2,596	3,060
Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]
Deferred Federal Income Tax Expense (Benefit)	578	(111)
Deferred State and Local Income Tax Expense (Benefit)	83	(16)
Deferred Income Tax Expense (Benefit)	661	(127)
Income Tax Expense (Benefit)	$ 3,257	$ 2,933

XML

Revenue Recognition Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Revenue from Contracts with Customers [Line Items]
Noninterest Income, Other Operating Income	$ 54	$ 123
Non-interest income within the scope of other ASC topics	795	1,746
Noninterest Income	4,545	4,974
Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Noninterest Income, Other Operating Income	101	149
Total Revenue in ASC 606	3,750	3,228
Deposit Account [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	1,401	1,100
Deposit Account [Member] | Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	1,401	1,100
Credit and Debit Card [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	1,491	1,341
Credit and Debit Card [Member] | Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	1,491	1,341
Fiduciary and Trust [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	757	638
Fiduciary and Trust [Member] | Revenue in Scope ASC 606 [Member]
Revenue from Contracts with Customers [Line Items]
Revenue from Contract with Customer, Including Assessed Tax	$ 757	$ 638