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PREMISES AND EQUIPMENT (Tables)
12 Months Ended
Dec. 31, 2024
PREMISES AND EQUIPMENT  
Schedule of premises and equipment

Premises and equipment consist of the following at December 31:

(000’s omitted)

    

2024

    

2023

Land and land improvements

$

34,589

$

33,954

Bank premises

 

163,587

 

155,146

Equipment

 

79,408

 

71,372

Operating lease right-of-use assets

 

46,240

 

40,036

Construction in progress

5,479

7,995

Premises and equipment, gross

 

329,303

 

308,503

Accumulated depreciation

 

(145,544)

 

(135,085)

Premises and equipment, net

$

183,759

$

173,418