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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2022 USD ($) | Mar. 31, 2021 USD ($)
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | $ 49,869 | $ 60,869
Charge-offs | (2,156) | (1,966)
Recoveries | 1,617 | 1,585
Steuben acquisition |  | 5,419
Provision | 817 |
Balance, end of period | 50,147 | 55,069
Liabilities for off-balance-sheet credit exposures [Roll Forward] |  |
Beginning balance | 803 | 1,489
Charge-offs | 0 | 0
Recoveries | 0 | 0
Steuben acquisition |  | (300)
Provision | 89 |
Ending balance | 892 | 1,189
Total allowance for credit losses [Roll Forward] |  |
Beginning balance | 50,672 | 62,358
Charge-offs | (2,156) | (1,966)
Recoveries | 1,617 | 1,585
Steuben acquisition |  | (5,719)
Provision | 906 |
Ending balance | $ 51,039 | $ 56,258
Allowance for Credit Losses |  |
Allowance for credit losses to total loans ratio | 0.68 |
Basis points lower level |  | 7
Accrued interest and fees receivable | $ 18,100 |
PCD Loans [Member] |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 1,974 | $ 1,882
Charge-offs | 0 | 0
Recoveries | 269 | 27
Steuben acquisition |  | 87
Provision | (487) |
Balance, end of period | 1,756 | 1,996
Commercial Portfolio Segment | Business Lending |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 21,021 | 28,190
Charge-offs | (116) | (51)
Recoveries | 70 | 67
Steuben acquisition |  | 1,164
Provision | (967) |
Balance, end of period | 20,008 | 27,042
Residential Portfolio Segment | Consumer Mortgage |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 10,017 | 10,672
Charge-offs | (40) | (100)
Recoveries | 9 | 10
Steuben acquisition |  | 896
Provision | 338 |
Balance, end of period | 10,324 | 9,686
Consumer Portfolio Segment | Consumer Indirect |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 11,737 | 13,696
Charge-offs | (1,688) | (1,399)
Recoveries | 1,000 | 1,246
Steuben acquisition |  | 2,423
Provision | 1,817 |
Balance, end of period | 12,866 | 11,120
Consumer Portfolio Segment | Consumer Direct |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 2,306 | 3,207
Charge-offs | (301) | (318)
Recoveries | 176 | 231
Steuben acquisition |  | 438
Provision | 544 |
Balance, end of period | 2,725 | 2,682
Consumer Portfolio Segment | Home Equity |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 1,814 | 2,222
Charge-offs | (11) | (98)
Recoveries | 93 | 4
Steuben acquisition |  | 585
Provision | (428) |
Balance, end of period | 1,468 | 1,543
Unallocated Financing Receivables [Member] |  |
Allowance for credit losses - loans [Roll Forward] |  |
Balance, beginning of period | 1,000 | 1,000
Charge-offs | 0 | 0
Recoveries | 0 | 0
Steuben acquisition |  | 0
Provision | 0 |
Balance, end of period | $ 1,000 | $ 1,000

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