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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2020

Receivables [Abstract]

Schedule of Activity in the Allowance for Loan Losses


Business Activities Loans		At or for the Year Ended December 31, 2020
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	7,668		$	3,608		$	3,402		$	379		$	15,057
Charged-off loans			(1,036)			(540)			(43)			(306)			(1,925)
Recoveries on charged-off loans			154			21			—			45			220
Provision for loan losses			4,167			288			718			261			5,434
Balance at end of period		$	10,953		$	3,377		$	4,077		$	379		$	18,786
Individually evaluated for impairment			366			—			67			1			434
Collectively evaluated			10,587			3,377			4,010			378			18,352
Total		$	10,953		$	3,377		$	4,077		$	379		$	18,786


Acquired Loans		At or for the Year Ended December 31, 2020
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	147		$	6		$	143		$	—		$	296
Charged-off loans			(101)			(53)			(11)			(78)			(243)
Recoveries on charged-off loans			19			9			13			11			52
Provision (release) for loan losses			225			43			(144)			67			191
Balance at end of period		$	290		$	5		$	1		$	—		$	296
Individually evaluated for impairment			290			5			1			—			296
Collectively evaluated			—			—			—			—			—
Total		$	290		$	5		$	1		$	—		$	296


Business Activities Loans		At or for the Year Ended December 31, 2019
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	6,811		$	2,380		$	3,982		$	408		$	13,581
Charged-off loans			(212)			(336)			(109)			(228)			(885)
Recoveries on charged-off loans			194			65			55			6			320
Provision (release) for loan losses			875			1,499			(526)			193			2,041
Balance at end of period		$	7,668		$	3,608		$	3,402		$	379		$	15,057
Individually evaluated for impairment			1,231			164			57			—			1,452
Collectively evaluated			6,437			3,444			3,345			379			13,605
Total		$	7,668		$	3,608		$	3,402		$	379		$	15,057


Acquired Loans		At or for the Year Ended December 31, 2019
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	173		$	35		$	77		$	—		$	285
Charged-off loans			—			(23)			(240)			(5)			(268)
Recoveries on charged-off loans			—			—			—			3			3
Provision (releases) for loan losses			(26)			(6)			306			2			276
Balance at end of period		$	147		$	6		$	143		$	—		$	296
Individually evaluated for impairment			12			—			49			—			61
Collectively evaluated			135			6			94			—			235
Total		$	147		$	6		$	143		$	—		$	296


Business Activities Loans		At or for the Twelve Months Ended December 31, 2018
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	6,037		$	2,373		$	3,357		$	386		$	12,153
Charged-off loans			(417)			(111)			(225)			(629)			(1,382)
Recoveries on charged-off loans			275			76			166			18			535
Provision for loan losses			916			42			684			633			2,275
Balance at end of period		$	6,811		$	2,380		$	3,982		$	408		$	13,581
Individually evaluated for impairment			422			78			111			—			611
Collectively evaluated			6,389			2,302			3,871			408			12,970
Total		$	6,811		$	2,380		$	3,982		$	408		$	13,581


Acquired Loans		At or for the Twelve Months Ended December 31, 2018
		Commercial			Commercial			Residential
(in thousands)		real estate			and industrial			real estate			Consumer			Total
Balance at beginning of period		$	97		$	16		$	59		$	—		$	172
Charged-off loans			(136)			(166)			(158)			(65)			(525)
Recoveries on charged-off loans			43			7			—			83			133
Provision (releases) for loan losses			169			178			176			(18)			505
Balance at end of period		$	173		$	35		$	77		$	—		$	285
Individually evaluated for impairment			—			—			41			—			41
Collectively evaluated			173			35			36			—			244
Total		$	173		$	35		$	77		$	—		$	285

Schedule of Loans by Risk Rating

Business Activities Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category


		Commercial construction
		and land development						Commercial real estate other						Total commercial real estate
(in thousands)		Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019
Grade:
Pass		$	129,065		$	31,057		$	745,600		$	646,886		$	874,665		$	677,943
Special mention			—			—			4,626			5,483			4,626			5,483
Substandard			—			330			15,076			11,974			15,076			12,304
Doubtful			189			—			560			1,708			749			1,708
Loss			1			—			—			—			1			—
Total		$	129,255		$	31,387		$	765,862		$	666,051		$	895,117		$	697,438

Commercial and Industrial

Credit Risk Profile by Creditworthiness Category


		Commercial						Agricultural						Tax exempt loans						Total commercial and industrial
(in thousands)		Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019
Grade:
Pass		$	298,568		$	221,329		$	16,025		$	18,940		$	39,429		$	66,860		$	354,022		$	307,129
Special mention			1,644			2,744			334			298			—			—			1,978			3,042
Substandard			14,158			14,866			438			780			—			—			14,596			15,646
Doubtful			633			753			—			—			—			—			633			753
Loss			2			—			—			—			—			—			2			—
Total		$	315,005		$	239,692		$	16,797		$	20,018		$	39,429		$	66,860		$	371,231		$	326,570

Residential Real Estate and Consumer Loans

Credit Risk Profile Based on Payment Activity


		Residential real estate						Home equity						Other consumer						Total residential real estate and consumer
(in thousands)		Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019
Performing		$	630,089		$	737,325		$	54,654		$	58,753		$	9,911		$	11,146		$	694,654		$	807,224
Nonperforming			3,301			3,362			438			615			13			21			3,752			3,998
Total		$	633,390		$	740,687		$	55,092		$	59,368		$	9,924		$	11,167		$	698,406		$	811,222

Acquired Loans

Commercial Real Estate

Credit Risk Profile by Creditworthiness Category


		Commercial construction
		and land development						Commercial real estate other						Total commercial real estate
(in thousands)		Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019
Grade:
Pass		$	1,703		$	2,412		$	177,405		$	218,491		$	179,108		$	220,903
Special mention			—			12			1,449			2,261			1,449			2,273
Substandard			165			479			7,026			9,400			7,191			9,879
Doubtful			—			—			1,516			168			1,516			168
Total		$	1,868		$	2,903		$	187,396		$	230,320		$	189,264		$	233,223

Commercial and Industrial

Credit Risk Profile by Creditworthiness Category


		Commercial						Agricultural						Tax exempt loans						Total commercial and industrial
(in thousands)		Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019
Grade:
Pass		$	43,972		$	51,184		$	20		$	58		$	24,002		$	37,407		$	67,994		$	88,649
Special mention			793			5,432			—			—			—			—			793			5,432
Substandard			451			2,115			133			148			—			36			584			2,299
Doubtful			467			341			—			—			—			—			467			341
Total		$	45,683		$	59,072		$	153		$	206		$	24,002		$	37,443		$	69,838		$	96,721

Residential Real Estate and Consumer Loans

Credit Risk Profile Based on Payment Activity


		Residential real estate						Home equity						Other consumer						Total residential real estate and consumer
(in thousands)		Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019			Dec 31, 2020			Dec 31, 2019
Performing		$	288,073		$	407,811		$	47,081		$	62,504		$	1,156		$	1,707		$	336,310		$	472,022
Nonperforming			2,428			3,359			291			529			—			8			2,719			3,896
Total		$	290,501		$	411,170		$	47,372		$	63,033		$	1,156		$	1,715		$	339,029		$	475,918

Summary of Information About Total Loans Rated Special Mention or Lower


		December 31, 2020									December 31, 2019
		Business									Business
(in thousands)		Activities Loans			Acquired Loans			Total			Activities Loans			Acquired Loans			Total
Non-accrual		$	6,437		$	5,751		$	12,188		$	8,354		$	3,196		$	11,550
Substandard accruing			28,371			6,726			35,097			26,055			13,387			39,442
Loss accruing			1			—			1			—			—			—
Total classified			34,809			12,477			47,286			34,409			16,583			50,992
Special mention			6,604			2,242			8,846			8,525			7,705			16,230
Total Criticized		$	41,413		$	14,719		$	56,132		$	42,934		$	24,288		$	67,222