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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2024

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of the contract amounts of commitments and contingencies

The contract amounts of commitments and contingencies are as follows at December 31:

​

​	​	​	​	​	​	​
​		​		​	​
(000’s omitted)		2024			2023
Commitments to extend credit	​	$	1,635,509	​	$	1,494,549
Standby letters of credit	​		80,245	​		61,352
Total	​	$	1,715,754	​	$	1,555,901

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