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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Dec. 31, 2022
Allowance for credit loss - loans          
Beginning balance $ 63,284 $ 55,542 $ 61,059 $ 49,869  
Charge-offs (2,942) (2,688) (8,930) (6,991)  
Recoveries 1,693 2,330 5,464 5,711  
Provision 2,910 5,179 7,352 11,703  
Ending balance 64,945 60,363 64,945 60,363  
Accrued interest receivable on loans 28,400   28,400    
Purchase of loans       436,900  
Amount pledged 9,385,121   9,385,121   $ 8,748,335
Amounts outstanding 315,800   315,800    
Sale of secondary market eligible residential consumer mortgage loans     4,600 4,500  
Liabilities for off-balance-sheet          
Beginning balance 933 1,223 1,123 803  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
PCD Allowance at Acquisition       0  
Provision (32) (118) (222) 302  
Ending balance 901 1,105 901 1,105  
Allowance for credit loss          
Beginning balance 64,217 56,765 62,182 50,672  
Charge-offs (2,942) (2,688) (8,930) (6,991)  
Recoveries 1,693 2,330 5,464 5,711  
PCD Allowance at Acquisition       71  
Provision 2,878 5,061 7,130 12,005  
Ending balance 65,846 61,468 65,846 61,468  
Assets pledged as collateral | Borrowings from FHLB and FRB          
Allowance for credit loss - loans          
Amount pledged 4,300,000   4,300,000    
Elmira Savings Bank ("Elmira")          
Allowance for credit loss - loans          
Ending balance 64,900 60,400 64,900 60,400  
Commercial Loan          
Allowance for credit loss - loans          
Charge-offs     (618)    
Purchase of loans       125,300  
Consumer indirect          
Allowance for credit loss - loans          
Charge-offs     (6,490)    
Purchase of loans       9,400  
Consumer direct          
Allowance for credit loss - loans          
Charge-offs     (1,366)    
Purchase of loans       12,500  
Home equity          
Allowance for credit loss - loans          
Charge-offs     (90)    
Purchase of loans       18,300  
Consumer mortgage          
Allowance for credit loss - loans          
Charge-offs     (366)    
Purchase of loans       271,400  
Commercial Portfolio Segment | Commercial Loan          
Allowance for credit loss - loans          
Beginning balance 25,291 23,241 23,297 22,995  
Charge-offs (139) (495) (618) (650)  
Recoveries 152 755 437 1,249  
Provision 740 430 2,928 266  
Ending balance 26,044 23,931 26,044 23,931  
Allowance for credit loss          
PCD Allowance at Acquisition       71  
Residential Portfolio Segment | Home equity          
Allowance for credit loss - loans          
Beginning balance 1,600 1,470 1,594 1,814  
Charge-offs (6) (32) (90) (69)  
Recoveries 2 11 13 132  
Provision (2) 132 77 (296)  
Ending balance 1,594 1,581 1,594 1,581  
Allowance for credit loss          
PCD Allowance at Acquisition       0  
Residential Portfolio Segment | Consumer mortgage          
Allowance for credit loss - loans          
Beginning balance 14,553 12,631 14,343 10,017  
Charge-offs (143) (113) (366) (230)  
Recoveries 3 4 35 21  
Provision 558 1,296 959 4,010  
Ending balance 14,971 13,818 14,971 13,818  
Allowance for credit loss          
PCD Allowance at Acquisition       0  
Consumer Portfolio Segment | Consumer indirect          
Allowance for credit loss - loans          
Beginning balance 17,808 14,378 17,852 11,737  
Charge-offs (2,100) (1,706) (6,490) (5,183)  
Recoveries 1,319 1,386 4,342 3,732  
Provision 1,263 2,960 2,586 6,732  
Ending balance 18,290 17,018 18,290 17,018  
Allowance for credit loss          
PCD Allowance at Acquisition       0  
Consumer Portfolio Segment | Consumer direct          
Allowance for credit loss - loans          
Beginning balance 3,032 2,822 2,973 2,306  
Charge-offs (554) (342) (1,366) (859)  
Recoveries 217 174 637 577  
Provision 351 361 802 991  
Ending balance 3,046 3,015 3,046 3,015  
Allowance for credit loss          
PCD Allowance at Acquisition       0  
Unallocated Financing Receivables          
Allowance for credit loss - loans          
Beginning balance 1,000 1,000 1,000 1,000  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Provision 0 0 0 0  
Ending balance $ 1,000 $ 1,000 $ 1,000 1,000  
Allowance for credit loss          
PCD Allowance at Acquisition       $ 0