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BORROWINGS (Tables)

12 Months Ended

Dec. 31, 2024

BORROWINGS

Schedule of outstanding borrowings

Outstanding borrowings at December 31 are as follows:

​

​	​	​	​	​	​	​
(000’s omitted)	​	2024		​	2023
Securities sold under agreement to repurchase, short term	​	$	261,553	​	$	304,595
Overnight borrowings	​		118,000	​		53,000
FHLB and other borrowings, includes discount of $102 and $217, respectively	​		619,312	​		407,603
Total borrowings	​	$	998,865	​	$	765,198

​

Schedule of borrowings by contractual maturity dates

​

​	​	​	​	​	​	​
​		​			Weighted-average
​	​	Carrying		​	Rate at
(000’s omitted, except rate)	​	Value		​	December 31, 2024
January 2, 2025	​	$	379,553		2.42	%
January 7, 2025	​	​	4,996	​	2.78	%
January 29, 2025	​		4,994		2.59	%
February 28, 2025	​		1,990		1.38	%
October 1, 2025	​		234		1.50	%
March 1, 2027	​		1,917		1.55	%
June 7, 2027	​		50,000		4.47	%
June 14, 2027	​		50,000		4.38	%
June 21, 2027	​	​	50,000	​	4.40	%
August 23, 2027	​	​	100,000	​	3.73	%
August 10, 2028	​	​	254,380	​	4.67	%
December 7, 2028	​		91,680		4.54	%
March 1, 2029	​		454		2.50	%
Total	​	$	990,198		2.21	%

​

Interest on borrowings recorded in the consolidated statements of income consists of the following for the years ended December 31:
​

​	​	​	​	​	​	​	​	​	​
(000’s omitted)		2024			2023			2022
Interest on overnight borrowings	​	$	4,851	​	$	9,349	​	$	6,518
Interest on Federal Reserve short-term borrowings	​		2,643	​		0	​		0
Interest on securities sold under agreement to repurchase, short-term	​		4,584	​		3,094	​		998
Interest on FHLB and other borrowings	​		22,813	​		6,285	​		386
Interest on subordinated notes payable	​		0	​		38	​		153
Total interest on borrowings	​	$	34,891	​	$	18,766	​	$	8,055

Schedule of interest on borrowings

Interest on borrowings recorded in the consolidated statements of income consists of the following for the years ended December 31:
​

​	​	​	​	​	​	​	​	​	​
(000’s omitted)		2024			2023			2022
Interest on overnight borrowings	​	$	4,851	​	$	9,349	​	$	6,518
Interest on Federal Reserve short-term borrowings	​		2,643	​		0	​		0
Interest on securities sold under agreement to repurchase, short-term	​		4,584	​		3,094	​		998
Interest on FHLB and other borrowings	​		22,813	​		6,285	​		386
Interest on subordinated notes payable	​		0	​		38	​		153
Total interest on borrowings	​	$	34,891	​	$	18,766	​	$	8,055

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-SubTopic 10
-Topic 470
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-1

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