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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 30, 2025

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of the contract amounts of commitments and contingencies

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​	​	​	​	​	​	​
​	​	September 30,		​	December 31,
(000’s omitted)		2025			2024
Commitments to extend credit	​	$	1,789,624	​	$	1,635,509
Standby letters of credit	​		83,409	​		80,245
Total	​	$	1,873,033	​	$	1,715,754

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Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk.

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