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INCOME TAX - Reconciliation of Federal Statutory to Actual Tax Expense (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Reconciliation of Federal Statutory to Actual Tax Expense:      
Federal Statutory Income Tax at 21% $ 48,663 $ 54,439 $ 53,692
Tax-exempt Interest Income (17,509) (18,193) (19,349)
Non-deductible FDIC Premiums 624 454 427
Earnings on Life Insurance (1,777) (1,753) (2,344)
Tax Credits (2,018) (331) (414)
State Tax 631 1,171 2,494
Other 1,712 (341) (921)
Income Tax Expense $ 30,326 $ 35,446 $ 33,585
Effective Tax Rate 13.10% 13.70% 13.10%