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SEGMENT INFORMATION (Tables)

9 Months Ended

Sep. 30, 2025

SEGMENT INFORMATION

Schedule of segment reporting information by segment


					Employee						Wealth
		Banking and			Benefit			Insurance			Management
(000’s omitted)		Corporate			Services			Services			Services			Total
Three Months Ended September 30, 2025
Net interest income from external customers		$	128,025		$	140		$	0		$	0		$	128,165
Noninterest revenues from external customers			20,867			34,665			14,136			8,983			78,651
Revenues from external customers			148,892			34,805			14,136			8,983			206,816
Intersegment revenues			(462)			1,160			83			545			1,326
Total segment operating revenues			148,430			35,965			14,219			9,528			208,142

Reconciliation of revenues (segment operating revenues):
Elimination of intersegment revenues															(1,326)
Other revenues ^(a)															236
Total consolidated revenues														$	207,052

Less segment expenses: ^(b)
Provision for credit losses			5,564			0			0			0
Salaries and employee benefits			47,226			15,962			8,760			5,458
Data processing and communications			16,276			1,069			978			798
Occupancy and equipment			10,004			892			422			125
Legal and professional fees			2,262			2,153			126			110
Business development and marketing			4,198			122			243			21
Other segment items ^(c)			6,597			1,266			448			124
Total segment expenses			92,127			21,464			10,977			6,636
Segment adjusted income before income taxes		$	56,303		$	14,501		$	3,242		$	2,892		$	76,938

Reconciliation of profit or loss (segment adjusted income before income taxes):
Unrealized gain on equity securities															236
Amortization of intangible assets															(3,258)
Acquisition expenses															(747)
Total consolidated income before income taxes														$	73,169

Other segment disclosures:
Interest income		$	177,144		$	602		$	57		$	157		$	177,960

Reconciliation of interest income:
Elimination of intersegment interest income															(677)
Total consolidated interest income														$	177,283

Interest expense		$	49,795		$	0		$	0		$	0		$	49,795

Reconciliation of interest expense:
Elimination of intersegment interest expense															(677)
Total consolidated interest expense														$	49,118

Depreciation ^(d)		$	3,557		$	164		$	99		$	51		$	3,871
Amortization of intangible assets			442			1,768			941			107			3,258
Goodwill			732,598			91,042			28,712			3,438			855,790
Core deposit intangibles, net			3,571			0			0			0			3,571
Other intangibles, net			572			20,223			19,011			800			40,606
Segment assets			16,682,821			232,807			112,965			40,405			17,068,998

Reconciliation of segment assets:
Elimination of intersegment cash and deposits															(111,194)
Total consolidated assets														$	16,957,804

^(a)Other revenues includes $236 of unrealized gain on equity securities.

^(b)	The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown.

^(c)Other segment items for each reportable segment includes:

Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

^(d)The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions.


					Employee						Wealth
		Banking and			Benefit			Insurance			Management
(000’s omitted)		Corporate			Services			Services			Services			Total
Three Months Ended September 30, 2024
Net interest income from external customers		$	112,609		$	136		$	0		$	0		$	112,745
Noninterest revenues from external customers			20,260			33,544			13,652			8,895			76,351
Revenues from external customers			132,869			33,680			13,652			8,895			189,096
Intersegment revenues			(545)			1,178			57			485			1,175
Total segment operating revenues			132,324			34,858			13,709			9,380			190,271

Reconciliation of revenues (segment operating revenues):
Elimination of intersegment revenues															(1,175)
Other revenues ^(a)															(154)
Total consolidated revenues														$	188,942

Less segment expenses: ^(b)
Provision for credit losses			7,709			0			0			0
Salaries and employee benefits			48,011			16,060			8,781			5,924
Data processing and communications			13,371			997			871			654
Occupancy and equipment			9,106			961			392			147
Legal and professional fees			2,355			1,188			194			171
Business development and marketing			4,068			22			244			30
Other segment items ^(c)			7,259			393			348			450
Total segment expenses			91,879			19,621			10,830			7,376
Segment adjusted income before income taxes		$	40,445		$	15,237		$	2,879		$	2,004		$	60,565

Reconciliation of profit or loss (segment adjusted income before income taxes):
Unrealized gain on equity securities															101
Amortization of intangible assets															(3,369)
Loss on sales of investment securities															(255)
Acquisition expenses															(66)
Acquisition-related contingent consideration adjustments															156
Litigation accrual															(102)
Total consolidated income before income taxes														$	57,030

Other segment disclosures:
Interest income		$	163,765		$	723		$	38		$	137		$	164,663

Reconciliation of interest income:
Elimination of intersegment interest income															(763)
Total consolidated interest income														$	163,900

Interest expense		$	51,918		$	0		$	0		$	0		$	51,918

Reconciliation of interest expense:
Elimination of intersegment interest expense															(763)
Total consolidated interest expense														$	51,155

Depreciation ^(d)		$	3,077		$	198		$	105		$	51		$	3,431
Amortization of intangible assets			711			1,715			774			169			3,369
Goodwill			732,598			89,293			27,167			3,435			852,493
Core deposit intangibles, net			5,797			0			0			0			5,797
Other intangibles, net			780			25,069			15,156			1,328			42,333
Segment assets			16,171,950			221,671			71,014			36,253			16,500,888

Reconciliation of segment assets:
Elimination of intersegment cash and deposits															(96,188)
Total consolidated assets														$	16,404,700

^(a)Other revenues includes $255 of realized loss on investment securities and $101 of unrealized gain on equity securities.

^(b)	The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown.

^(c)Other segment items for each reportable segment includes:

Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

^(d)The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions


					Employee						Wealth
		Banking and			Benefit			Insurance			Management
(000’s omitted)		Corporate			Services			Services			Services			Total
Nine Months Ended September 30, 2025
Net interest income from external customers		$	372,727		$	398		$	0		$	0		$	373,125
Noninterest revenues from external customers			59,411			100,230			41,725			27,585			228,951
Revenues from external customers			432,138			100,628			41,725			27,585			602,076
Intersegment revenues			(1,314)			3,345			228			1,648			3,907
Total segment operating revenues			430,824			103,973			41,953			29,233			605,983

Reconciliation of revenues (segment operating revenues):
Elimination of intersegment revenues															(3,907)
Other revenues ^(a)															480
Total consolidated revenues														$	602,556

Less segment expenses: ^(b)
Provision for credit losses			16,371			0			0			0
Salaries and employee benefits			142,998			48,591			25,991			16,887
Data processing and communications			43,716			3,348			2,706			2,171
Occupancy and equipment			31,296			2,729			1,254			400
Legal and professional fees			8,332			5,149			405			420
Business development and marketing			10,765			209			689			52
Other segment items ^(c)			20,278			4,095			1,311			427
Total segment expenses			273,756			64,121			32,356			20,357
Segment adjusted income before income taxes		$	157,068		$	39,852		$	9,597		$	8,876		$	215,393

Reconciliation of profit or loss (segment adjusted income before income taxes):
Unrealized gain on equity securities															480
Amortization of intangible assets															(10,109)
Restructuring expenses															(1,525)
Acquisition expenses															(815)
Litigation accrual															50
Total consolidated income before income taxes														$	203,474

Other segment disclosures:
Interest income		$	517,411		$	1,798		$	151		$	415		$	519,775

Reconciliation of interest income:
Elimination of intersegment interest income															(1,967)
Total consolidated interest income														$	517,808

Interest expense		$	146,650		$	0		$	0		$	0		$	146,650

Reconciliation of interest expense:
Elimination of intersegment interest expense															(1,967)
Total consolidated interest expense														$	144,683

Depreciation ^(d)		$	10,185		$	528		$	307		$	152		$	11,172
Amortization of intangible assets			1,730			5,259			2,748			372			10,109

^(a)Other revenues includes $480 of unrealized gain on equity securities.

^(b)	The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown.

^(c)Other segment items for each reportable segment includes:

Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

^(d)	The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions.


					Employee						Wealth
		Banking and			Benefit			Insurance			Management
(000’s omitted)		Corporate			Services			Services			Services			Total
Nine Months Ended September 30, 2024
Net interest income from external customers		$	328,750		$	394		$	0		$	0		$	329,144
Noninterest revenues from external customers			57,511			98,000			38,068			26,796			220,375
Revenues from external customers			386,261			98,394			38,068			26,796			549,519
Intersegment revenues			(1,501)			3,410			159			1,497			3,565
Total segment operating revenues			384,760			101,804			38,227			28,293			553,084

Reconciliation of revenues (segment operating revenues):
Elimination of intersegment revenues															(3,565)
Other revenues ^(a)															497
Total consolidated revenues														$	550,016

Less segment expenses: ^(b)
Provision for credit losses			16,565			0			0			0
Salaries and employee benefits			136,292			47,422			25,419			17,739
Data processing and communications			37,905			3,063			2,533			2,014
Occupancy and equipment			28,206			2,897			1,152			463
Legal and professional fees			7,294			3,824			582			340
Business development and marketing			10,496			149			811			92
Other segment items ^(c)			20,389			2,805			1,101			771
Total segment expenses			257,147			60,160			31,598			21,419
Segment adjusted income before income taxes		$	127,613		$	41,644		$	6,629		$	6,874		$	182,760

Reconciliation of profit or loss (segment adjusted income before income taxes):
Unrealized gain on equity securities															984
Amortization of intangible assets															(10,822)
Loss on sales of investment securities															(487)
Acquisition expenses															(205)
Acquisition-related contingent consideration adjustments															156
Litigation accrual															(221)
Total consolidated income before income taxes														$	172,165

Other segment disclosures:
Interest income		$	473,203		$	2,048		$	105		$	396		$	475,752

Reconciliation of interest income:
Elimination of intersegment interest income															(2,155)
Total consolidated interest income														$	473,597

Interest expense		$	146,608		$	0		$	0		$	0		$	146,608

Reconciliation of interest expense:
Elimination of intersegment interest expense															(2,155)
Total consolidated interest expense														$	144,453

Depreciation ^(d)		$	9,066		$	579		$	310		$	152		$	10,107
Amortization of intangible assets			2,539			5,221			2,494			568			10,822

^(a)Other revenues includes $487 of realized loss on investment securities and $984 of unrealized gain on equity securities.

^(b)	The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown.

^(c)Other segment items for each reportable segment includes:

Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension.

^(d)	The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions.