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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amount of Business Lending Loans by Credit Quality Categories (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Provision for credit losses | $ 7,709 | $ 2,878 | $ 16,565 | $ 7,130 |
Total Loans | 10,251,674 |  | 10,251,674 |  | $ 9,704,598
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 476 |  | 160
Year Three writeoff |  |  | 98 |  | 0
Year Four writeoff |  |  | 21 |  | 0
Year Five writeoff |  |  | 0 |  | 0
Prior |  |  | 7 |  | 36
Revolving Loans Amortized Cost Basis |  |  | 482 |  | 588
Revolving Loans Converted to Term |  |  | 556 |  | 0
Total Loans |  |  | 1,640 |  | 784
Legacy Loan |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total Loans | 10,251,674 |  | 10,251,674 |  | 9,704,598
Pass |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 387,350 |  | 387,350 |  | 439,165
2023 | 335,399 |  | 335,399 |  | 624,181
2022 | 562,051 |  | 562,051 |  | 316,926
2021 | 284,095 |  | 284,095 |  | 187,579
2020 | 167,026 |  | 167,026 |  | 217,713
Prior | 783,671 |  | 783,671 |  | 679,615
Revolving Loans Amortized Cost Basis | 844,067 |  | 844,067 |  | 756,207
Revolving Loans Converted to Term | 655,703 |  | 655,703 |  | 585,802
Total Loans | 4,019,362 |  | 4,019,362 |  | 3,807,188
Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 2,715 |  | 2,715 |  | 31,781
2023 | 19,664 |  | 19,664 |  | 12,599
2022 | 32,546 |  | 32,546 |  | 18,249
2021 | 19,934 |  | 19,934 |  | 3,572
2020 | 6,404 |  | 6,404 |  | 4,134
Prior | 41,103 |  | 41,103 |  | 46,986
Revolving Loans Amortized Cost Basis | 35,346 |  | 35,346 |  | 35,890
Revolving Loans Converted to Term | 22,004 |  | 22,004 |  | 25,904
Total Loans | 179,716 |  | 179,716 |  | 179,115
Substandard |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 486 |  | 486 |  | 1,865
2023 | 29,711 |  | 29,711 |  | 2,003
2022 | 10,008 |  | 10,008 |  | 2,603
2021 | 3,909 |  | 3,909 |  | 4,953
2020 | 1,898 |  | 1,898 |  | 2,636
Prior | 31,625 |  | 31,625 |  | 30,707
Revolving Loans Amortized Cost Basis | 47,254 |  | 47,254 |  | 11,991
Revolving Loans Converted to Term | 66,021 |  | 66,021 |  | 40,847
Total Loans | 190,912 |  | 190,912 |  | 97,605
Doubtful |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 675 |  | 675 |  | 0
2022 | 0 |  | 0 |  | 0
2021 | 964 |  | 964 |  | 488
2020 | 0 |  | 0 |  | 0
Prior | 0 |  | 0 |  | 0
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 1,639 |  | 1,639 |  | 488
Business lending |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 390,551 |  | 390,551 |  | 472,811
2023 | 385,449 |  | 385,449 |  | 638,783
2022 | 604,605 |  | 604,605 |  | 337,778
2021 | 308,902 |  | 308,902 |  | 196,592
2020 | 175,328 |  | 175,328 |  | 224,483
Prior | 856,399 |  | 856,399 |  | 757,308
Revolving Loans Amortized Cost Basis | 926,667 |  | 926,667 |  | 804,088
Revolving Loans Converted to Term | 743,728 |  | 743,728 |  | 652,553
Total Loans | 4,391,629 |  | 4,391,629 |  | 4,084,396
CRE - multifamily |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 7,692 |  | 7,692 |  | 104,063
2023 | 102,308 |  | 102,308 |  | 153,613
2022 | 150,460 |  | 150,460 |  | 52,058
2021 | 53,104 |  | 53,104 |  | 20,047
2020 | 17,678 |  | 17,678 |  | 42,543
Prior | 144,499 |  | 144,499 |  | 117,102
Revolving Loans Amortized Cost Basis | 45,261 |  | 45,261 |  | 3,387
Revolving Loans Converted to Term | 173,845 |  | 173,845 |  | 126,981
Total Loans | 694,847 |  | 694,847 |  | 619,794
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 0 |  | 0
Year Three writeoff |  |  | 0 |  | 0
Year Four writeoff |  |  | 0 |  | 0
Year Five writeoff |  |  | 0 |  | 0
Prior |  |  | 0 |  | 0
Revolving Loans Amortized Cost Basis |  |  | 0 |  | 0
Revolving Loans Converted to Term |  |  | 0 |  | 0
Total Loans |  |  | 0 |  | 0
CRE - multifamily | Pass |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 7,692 |  | 7,692 |  | 90,888
2023 | 89,133 |  | 89,133 |  | 145,337
2022 | 143,201 |  | 143,201 |  | 52,058
2021 | 52,068 |  | 52,068 |  | 19,982
2020 | 17,616 |  | 17,616 |  | 41,992
Prior | 138,406 |  | 138,406 |  | 112,287
Revolving Loans Amortized Cost Basis | 44,616 |  | 44,616 |  | 3,237
Revolving Loans Converted to Term | 147,630 |  | 147,630 |  | 106,580
Total Loans | 640,362 |  | 640,362 |  | 572,361
CRE - multifamily | Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 13,175
2023 | 13,175 |  | 13,175 |  | 7,317
2022 | 7,259 |  | 7,259 |  | 0
2021 | 540 |  | 540 |  | 65
2020 | 62 |  | 62 |  | 0
Prior | 4,403 |  | 4,403 |  | 3,522
Revolving Loans Amortized Cost Basis | 496 |  | 496 |  | 0
Revolving Loans Converted to Term | 14,147 |  | 14,147 |  | 8,289
Total Loans | 40,082 |  | 40,082 |  | 32,368
CRE - multifamily | Substandard |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 0 |  | 0 |  | 959
2022 | 0 |  | 0 |  | 0
2021 | 496 |  | 496 |  | 0
2020 | 0 |  | 0 |  | 551
Prior | 1,690 |  | 1,690 |  | 1,293
Revolving Loans Amortized Cost Basis | 149 |  | 149 |  | 150
Revolving Loans Converted to Term | 12,068 |  | 12,068 |  | 12,112
Total Loans | 14,403 |  | 14,403 |  | 15,065
CRE - multifamily | Doubtful |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 0 |  | 0 |  | 0
2022 | 0 |  | 0 |  | 0
2021 | 0 |  | 0 |  | 0
2020 | 0 |  | 0 |  | 0
Prior | 0 |  | 0 |  | 0
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 0 |  | 0 |  | 0
CRE - owner occupied |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 94,387 |  | 94,387 |  | 62,682
2023 | 59,382 |  | 59,382 |  | 92,108
2022 | 87,735 |  | 87,735 |  | 60,369
2021 | 56,309 |  | 56,309 |  | 48,584
2020 | 41,904 |  | 41,904 |  | 82,347
Prior | 265,949 |  | 265,949 |  | 211,838
Revolving Loans Amortized Cost Basis | 60,117 |  | 60,117 |  | 29,707
Revolving Loans Converted to Term | 204,382 |  | 204,382 |  | 165,139
Total Loans | 870,165 |  | 870,165 |  | 752,774
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 0 |  | 0
Year Three writeoff |  |  | 0 |  | 0
Year Four writeoff |  |  | 0 |  | 0
Year Five writeoff |  |  | 0 |  | 0
Prior |  |  | 0 |  | 0
Revolving Loans Amortized Cost Basis |  |  | 0 |  | 19
Revolving Loans Converted to Term |  |  | 0 |  | 0
Total Loans |  |  | 0 |  | 19
CRE - owner occupied | Pass |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 93,638 |  | 93,638 |  | 58,544
2023 | 51,815 |  | 51,815 |  | 89,616
2022 | 78,220 |  | 78,220 |  | 58,798
2021 | 53,803 |  | 53,803 |  | 46,465
2020 | 38,431 |  | 38,431 |  | 80,361
Prior | 244,268 |  | 244,268 |  | 192,345
Revolving Loans Amortized Cost Basis | 58,622 |  | 58,622 |  | 28,023
Revolving Loans Converted to Term | 197,433 |  | 197,433 |  | 158,652
Total Loans | 816,230 |  | 816,230 |  | 712,804
CRE - owner occupied | Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 749 |  | 749 |  | 3,258
2023 | 4,940 |  | 4,940 |  | 2,384
2022 | 2,402 |  | 2,402 |  | 649
2021 | 1,623 |  | 1,623 |  | 639
2020 | 2,032 |  | 2,032 |  | 1,472
Prior | 11,218 |  | 11,218 |  | 11,962
Revolving Loans Amortized Cost Basis | 429 |  | 429 |  | 743
Revolving Loans Converted to Term | 1,151 |  | 1,151 |  | 6,064
Total Loans | 24,544 |  | 24,544 |  | 27,171
CRE - owner occupied | Substandard |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 880
2023 | 1,952 |  | 1,952 |  | 108
2022 | 7,113 |  | 7,113 |  | 922
2021 | 883 |  | 883 |  | 1,480
2020 | 1,441 |  | 1,441 |  | 514
Prior | 10,463 |  | 10,463 |  | 7,531
Revolving Loans Amortized Cost Basis | 1,066 |  | 1,066 |  | 941
Revolving Loans Converted to Term | 5,798 |  | 5,798 |  | 423
Total Loans | 28,716 |  | 28,716 |  | 12,799
CRE - owner occupied | Doubtful |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 675 |  | 675 |  | 0
2022 | 0 |  | 0 |  | 0
2021 | 0 |  | 0 |  | 0
2020 | 0 |  | 0 |  | 0
Prior | 0 |  | 0 |  | 0
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 675 |  | 675 |  | 0
CRE - non-owner occupied |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 85,045 |  | 85,045 |  | 144,095
2023 | 132,577 |  | 132,577 |  | 256,662
2022 | 248,919 |  | 248,919 |  | 128,538
2021 | 121,803 |  | 121,803 |  | 91,355
2020 | 88,220 |  | 88,220 |  | 62,003
Prior | 346,544 |  | 346,544 |  | 325,684
Revolving Loans Amortized Cost Basis | 409,142 |  | 409,142 |  | 406,465
Revolving Loans Converted to Term | 299,600 |  | 299,600 |  | 296,396
Total Loans | 1,731,850 |  | 1,731,850 |  | 1,711,198
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 412 |  | 0
Year Three writeoff |  |  | 0 |  | 0
Year Four writeoff |  |  | 0 |  | 0
Year Five writeoff |  |  | 0 |  | 0
Prior |  |  | 0 |  | 0
Revolving Loans Amortized Cost Basis |  |  | 0 |  | 0
Revolving Loans Converted to Term |  |  | 554 |  | 0
Total Loans |  |  | 966 |  | 0
CRE - non-owner occupied | Pass |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 84,887 |  | 84,887 |  | 143,106
2023 | 121,211 |  | 121,211 |  | 255,699
2022 | 229,489 |  | 229,489 |  | 111,306
2021 | 103,230 |  | 103,230 |  | 86,560
2020 | 86,692 |  | 86,692 |  | 60,646
Prior | 305,197 |  | 305,197 |  | 275,458
Revolving Loans Amortized Cost Basis | 363,323 |  | 363,323 |  | 387,559
Revolving Loans Converted to Term | 252,680 |  | 252,680 |  | 265,348
Total Loans | 1,546,709 |  | 1,546,709 |  | 1,585,682
CRE - non-owner occupied | Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 158 |  | 158 |  | 42
2023 | 382 |  | 382 |  | 827
2022 | 19,297 |  | 19,297 |  | 16,109
2021 | 16,293 |  | 16,293 |  | 1,311
2020 | 1,275 |  | 1,275 |  | 109
Prior | 22,958 |  | 22,958 |  | 29,648
Revolving Loans Amortized Cost Basis | 18,110 |  | 18,110 |  | 18,806
Revolving Loans Converted to Term | 3,362 |  | 3,362 |  | 3,506
Total Loans | 81,835 |  | 81,835 |  | 70,358
CRE - non-owner occupied | Substandard |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 947
2023 | 10,984 |  | 10,984 |  | 136
2022 | 133 |  | 133 |  | 1,123
2021 | 1,316 |  | 1,316 |  | 2,996
2020 | 253 |  | 253 |  | 1,248
Prior | 18,389 |  | 18,389 |  | 20,578
Revolving Loans Amortized Cost Basis | 27,709 |  | 27,709 |  | 100
Revolving Loans Converted to Term | 43,558 |  | 43,558 |  | 27,542
Total Loans | 102,342 |  | 102,342 |  | 54,670
CRE - non-owner occupied | Doubtful |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 0 |  | 0 |  | 0
2022 | 0 |  | 0 |  | 0
2021 | 964 |  | 964 |  | 488
2020 | 0 |  | 0 |  | 0
Prior | 0 |  | 0 |  | 0
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 964 |  | 964 |  | 488
Commercial & industrial and other business loans |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 203,427 |  | 203,427 |  | 161,971
2023 | 91,182 |  | 91,182 |  | 136,400
2022 | 117,491 |  | 117,491 |  | 96,813
2021 | 77,686 |  | 77,686 |  | 36,606
2020 | 27,526 |  | 27,526 |  | 37,590
Prior | 99,407 |  | 99,407 |  | 102,684
Revolving Loans Amortized Cost Basis | 412,147 |  | 412,147 |  | 364,529
Revolving Loans Converted to Term | 65,901 |  | 65,901 |  | 64,037
Total Loans | 1,094,767 |  | 1,094,767 |  | 1,000,630
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 64 |  | 160
Year Three writeoff |  |  | 98 |  | 0
Year Four writeoff |  |  | 21 |  | 0
Year Five writeoff |  |  | 0 |  | 0
Prior |  |  | 7 |  | 36
Revolving Loans Amortized Cost Basis |  |  | 482 |  | 569
Revolving Loans Converted to Term |  |  | 2 |  | 0
Total Loans |  |  | 674 |  | 765
Commercial & industrial and other business loans | Pass |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 201,133 |  | 201,133 |  | 146,627
2023 | 73,240 |  | 73,240 |  | 133,529
2022 | 111,141 |  | 111,141 |  | 94,764
2021 | 74,994 |  | 74,994 |  | 34,572
2020 | 24,287 |  | 24,287 |  | 34,714
Prior | 95,800 |  | 95,800 |  | 99,525
Revolving Loans Amortized Cost Basis | 377,506 |  | 377,506 |  | 337,388
Revolving Loans Converted to Term | 57,960 |  | 57,960 |  | 55,222
Total Loans | 1,016,061 |  | 1,016,061 |  | 936,341
Commercial & industrial and other business loans | Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 1,808 |  | 1,808 |  | 15,306
2023 | 1,167 |  | 1,167 |  | 2,071
2022 | 3,588 |  | 3,588 |  | 1,491
2021 | 1,478 |  | 1,478 |  | 1,557
2020 | 3,035 |  | 3,035 |  | 2,553
Prior | 2,524 |  | 2,524 |  | 1,854
Revolving Loans Amortized Cost Basis | 16,311 |  | 16,311 |  | 16,341
Revolving Loans Converted to Term | 3,344 |  | 3,344 |  | 8,045
Total Loans | 33,255 |  | 33,255 |  | 49,218
Commercial & industrial and other business loans | Substandard |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 486 |  | 486 |  | 38
2023 | 16,775 |  | 16,775 |  | 800
2022 | 2,762 |  | 2,762 |  | 558
2021 | 1,214 |  | 1,214 |  | 477
2020 | 204 |  | 204 |  | 323
Prior | 1,083 |  | 1,083 |  | 1,305
Revolving Loans Amortized Cost Basis | 18,330 |  | 18,330 |  | 10,800
Revolving Loans Converted to Term | 4,597 |  | 4,597 |  | 770
Total Loans | 45,451 |  | 45,451 |  | 15,071
Commercial & industrial and other business loans | Doubtful |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 0 |  | 0 |  | 0
2022 | 0 |  | 0 |  | 0
2021 | 0 |  | 0 |  | 0
2020 | 0 |  | 0 |  | 0
Prior | 0 |  | 0 |  | 0
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 0 |  | 0 |  | 0
Consumer mortgage |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 337,968 |  | 337,968 |  | 503,463
2023 | 480,110 |  | 480,110 |  | 506,770
2022 | 478,003 |  | 478,003 |  | 624,951
2021 | 586,396 |  | 586,396 |  | 304,666
2020 | 285,468 |  | 285,468 |  | 230,933
Prior | 1,070,898 |  | 1,070,898 |  | 956,818
Revolving Loans Amortized Cost Basis | 36,233 |  | 36,233 |  | 39,997
Revolving Loans Converted to Term | 152,241 |  | 152,241 |  | 117,420
Total Loans | 3,427,317 |  | 3,427,317 |  | 3,285,018
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 141 |  | 0
Year Three writeoff |  |  | 11 |  | 0
Year Four writeoff |  |  | 1 |  | 0
Year Five writeoff |  |  | 20 |  | 85
Prior |  |  | 172 |  | 584
Revolving Loans Amortized Cost Basis |  |  | 0 |  | 0
Revolving Loans Converted to Term |  |  | 0 |  | 0
Total Loans |  |  | 345 |  | 669
Consumer mortgage | FICO AB |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 232,937 |  | 232,937 |  | 354,967
2023 | 336,417 |  | 336,417 |  | 353,556
2022 | 333,198 |  | 333,198 |  | 457,635
2021 | 429,739 |  | 429,739 |  | 200,034
2020 | 187,551 |  | 187,551 |  | 157,438
Prior | 693,391 |  | 693,391 |  | 611,778
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 111,437 |  | 111,437 |  | 86,262
Total Loans | 2,324,670 |  | 2,324,670 |  | 2,221,670
Consumer mortgage | FICO AB | Performing |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 232,937 |  | 232,937 |  | 354,967
2023 | 336,417 |  | 336,417 |  | 353,185
2022 | 332,687 |  | 332,687 |  | 456,871
2021 | 429,254 |  | 429,254 |  | 199,429
2020 | 186,884 |  | 186,884 |  | 157,159
Prior | 688,527 |  | 688,527 |  | 606,591
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 111,253 |  | 111,253 |  | 86,067
Total Loans | 2,317,959 |  | 2,317,959 |  | 2,214,269
Consumer mortgage | FICO AB | Nonperforming |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 0
2023 | 0 |  | 0 |  | 371
2022 | 511 |  | 511 |  | 764
2021 | 485 |  | 485 |  | 605
2020 | 667 |  | 667 |  | 279
Prior | 4,864 |  | 4,864 |  | 5,187
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 184 |  | 184 |  | 195
Total Loans | 6,711 |  | 6,711 |  | 7,401
Consumer mortgage | FICO CDE |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 105,031 |  | 105,031 |  | 148,496
2023 | 143,693 |  | 143,693 |  | 153,214
2022 | 144,805 |  | 144,805 |  | 167,316
2021 | 156,657 |  | 156,657 |  | 104,632
2020 | 97,917 |  | 97,917 |  | 73,495
Prior | 377,507 |  | 377,507 |  | 345,040
Revolving Loans Amortized Cost Basis | 36,233 |  | 36,233 |  | 39,997
Revolving Loans Converted to Term | 40,804 |  | 40,804 |  | 31,158
Total Loans | 1,102,647 |  | 1,102,647 |  | 1,063,348
Consumer mortgage | FICO CDE | Performing |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 104,716 |  | 104,716 |  | 148,443
2023 | 142,588 |  | 142,588 |  | 150,585
2022 | 142,134 |  | 142,134 |  | 164,839
2021 | 154,892 |  | 154,892 |  | 103,003
2020 | 95,873 |  | 95,873 |  | 71,710
Prior | 364,724 |  | 364,724 |  | 331,839
Revolving Loans Amortized Cost Basis | 35,889 |  | 35,889 |  | 39,630
Revolving Loans Converted to Term | 39,675 |  | 39,675 |  | 30,098
Total Loans | 1,080,491 |  | 1,080,491 |  | 1,040,147
Consumer mortgage | FICO CDE | Nonperforming |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 315 |  | 315 |  | 53
2023 | 1,105 |  | 1,105 |  | 2,629
2022 | 2,671 |  | 2,671 |  | 2,477
2021 | 1,765 |  | 1,765 |  | 1,629
2020 | 2,044 |  | 2,044 |  | 1,785
Prior | 12,783 |  | 12,783 |  | 13,201
Revolving Loans Amortized Cost Basis | 344 |  | 344 |  | 367
Revolving Loans Converted to Term | 1,129 |  | 1,129 |  | 1,060
Total Loans | 22,156 |  | 22,156 |  | 23,201
Consumer indirect |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 532,829 |  | 532,829 |  | 681,908
2023 | 540,775 |  | 540,775 |  | 573,242
2022 | 427,250 |  | 427,250 |  | 273,136
2021 | 179,833 |  | 179,833 |  | 71,470
2020 | 40,539 |  | 40,539 |  | 45,222
Prior | 59,360 |  | 59,360 |  | 58,462
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 1,780,586 |  | 1,780,586 |  | 1,703,440
Year One writeoff |  |  | 738 |  | 926
Year Two writeoff |  |  | 2,281 |  | 3,595
Year Three writeoff |  |  | 2,968 |  | 1,969
Year Four writeoff |  |  | 1,272 |  | 1,171
Year Five writeoff |  |  | 403 |  | 570
Prior |  |  | 1,007 |  | 1,121
Revolving Loans Amortized Cost Basis |  |  | 0 |  | 0
Revolving Loans Converted to Term |  |  | 0 |  | 0
Total Loans |  |  | 8,669 |  | 9,352
Consumer indirect | Performing |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 532,829 |  | 532,829 |  | 681,824
2023 | 540,576 |  | 540,576 |  | 572,799
2022 | 426,993 |  | 426,993 |  | 273,035
2021 | 179,759 |  | 179,759 |  | 71,428
2020 | 40,487 |  | 40,487 |  | 45,203
Prior | 59,357 |  | 59,357 |  | 58,375
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 1,780,001 |  | 1,780,001 |  | 1,702,664
Consumer indirect | Nonperforming |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 84
2023 | 199 |  | 199 |  | 443
2022 | 257 |  | 257 |  | 101
2021 | 74 |  | 74 |  | 42
2020 | 52 |  | 52 |  | 19
Prior | 3 |  | 3 |  | 87
Revolving Loans Amortized Cost Basis | 0 |  | 0 |  | 0
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 585 |  | 585 |  | 776
Consumer direct |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 67,778 |  | 67,778 |  | 80,202
2023 | 55,606 |  | 55,606 |  | 52,867
2022 | 35,274 |  | 35,274 |  | 26,664
2021 | 15,221 |  | 15,221 |  | 8,282
2020 | 4,254 |  | 4,254 |  | 4,606
Prior | 6,241 |  | 6,241 |  | 5,720
Revolving Loans Amortized Cost Basis | 6,804 |  | 6,804 |  | 6,887
Revolving Loans Converted to Term | 0 |  | 0 |  | 1
Total Loans | 191,178 |  | 191,178 |  | 185,229
Year One writeoff |  |  | 63 |  | 206
Year Two writeoff |  |  | 828 |  | 813
Year Three writeoff |  |  | 586 |  | 450
Year Four writeoff |  |  | 349 |  | 110
Year Five writeoff |  |  | 62 |  | 110
Prior |  |  | 100 |  | 159
Revolving Loans Amortized Cost Basis |  |  | 181 |  | 161
Revolving Loans Converted to Term |  |  | 0 |  | 0
Total Loans |  |  | 2,169 |  | 2,009
Consumer direct | Performing |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 67,778 |  | 67,778 |  | 80,169
2023 | 55,552 |  | 55,552 |  | 52,826
2022 | 35,273 |  | 35,273 |  | 26,617
2021 | 15,198 |  | 15,198 |  | 8,282
2020 | 4,254 |  | 4,254 |  | 4,604
Prior | 6,241 |  | 6,241 |  | 5,697
Revolving Loans Amortized Cost Basis | 6,772 |  | 6,772 |  | 6,875
Revolving Loans Converted to Term | 0 |  | 0 |  | 1
Total Loans | 191,068 |  | 191,068 |  | 185,071
Consumer direct | Nonperforming |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 0 |  | 0 |  | 33
2023 | 54 |  | 54 |  | 41
2022 | 1 |  | 1 |  | 47
2021 | 23 |  | 23 |  | 0
2020 | 0 |  | 0 |  | 2
Prior | 0 |  | 0 |  | 23
Revolving Loans Amortized Cost Basis | 32 |  | 32 |  | 12
Revolving Loans Converted to Term | 0 |  | 0 |  | 0
Total Loans | 110 |  | 110 |  | 158
Home equity |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 44,514 |  | 44,514 |  | 61,065
2023 | 56,181 |  | 56,181 |  | 62,963
2022 | 57,172 |  | 57,172 |  | 63,112
2021 | 56,313 |  | 56,313 |  | 31,347
2020 | 27,914 |  | 27,914 |  | 25,981
Prior | 60,065 |  | 60,065 |  | 45,365
Revolving Loans Amortized Cost Basis | 132,802 |  | 132,802 |  | 127,992
Revolving Loans Converted to Term | 26,003 |  | 26,003 |  | 28,690
Total Loans | 460,964 |  | 460,964 |  | 446,515
Year One writeoff |  |  | 0 |  | 0
Year Two writeoff |  |  | 0 |  | 0
Year Three writeoff |  |  | 23 |  | 0
Year Four writeoff |  |  | 0 |  | 64
Year Five writeoff |  |  | 0 |  | 0
Prior |  |  | 0 |  | 44
Revolving Loans Amortized Cost Basis |  |  | 92 |  | 11
Revolving Loans Converted to Term |  |  | 0 |  | 0
Total Loans |  |  | 115 |  | 119
Home equity | Performing |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 44,479 |  | 44,479 |  | 61,065
2023 | 56,011 |  | 56,011 |  | 62,801
2022 | 56,999 |  | 56,999 |  | 63,102
2021 | 56,217 |  | 56,217 |  | 31,094
2020 | 27,645 |  | 27,645 |  | 25,721
Prior | 59,269 |  | 59,269 |  | 44,832
Revolving Loans Amortized Cost Basis | 132,008 |  | 132,008 |  | 126,939
Revolving Loans Converted to Term | 25,630 |  | 25,630 |  | 28,177
Total Loans | 458,258 |  | 458,258 |  | 443,731
Home equity | Nonperforming |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024 | 35 |  | 35 |  | 0
2023 | 170 |  | 170 |  | 162
2022 | 173 |  | 173 |  | 10
2021 | 96 |  | 96 |  | 253
2020 | 269 |  | 269 |  | 260
Prior | 796 |  | 796 |  | 533
Revolving Loans Amortized Cost Basis | 794 |  | 794 |  | 1,053
Revolving Loans Converted to Term | 373 |  | 373 |  | 513
Total Loans | $ 2,706 |  | $ 2,706 |  | $ 2,784

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