TOMPKINS FINANCIAL CORP, 10-Q filed on 8/5/2025
Quarterly Report
v3.25.2
Cover Page - shares
 6 Months Ended
Jun. 30, 2025
Aug. 01, 2025
Cover [Abstract]    
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Jun. 30, 2025  
Document Transition Report false  
Entity File Number 1-12709  
Entity Registrant Name Tompkins Financial Corp  
Entity Incorporation, State or Country Code NY  
Entity Tax Identification Number 16-1482357  
Entity Address, Address Line One 118 E. Seneca Street  
Entity Address, Address Line Two P.O. Box 460  
Entity Address, City or Town Ithaca  
Entity Address, State or Province NY  
Entity Address, Postal Zip Code 14851  
City Area Code 888  
Local Phone Number 503-5753  
Title of 12(b) Security Common Stock, $0.10 par value  
Trading Symbol TMP  
Security Exchange Name NYSEAMER  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Large Accelerated Filer  
Entity Small Business false  
Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   14,431,575
Entity Central Index Key 0001005817  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Document Fiscal Period Focus Q2  
Document Fiscal Year Focus 2025  
v3.25.2
CONSOLIDATED STATEMENTS OF CONDITION - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and noninterest bearing balances due from banks $ 93,731 $ 53,635
Interest bearing balances due from banks 118,820 80,763
Cash and Cash Equivalents 212,551 134,398
Available-for-sale debt securities, at fair value (amortized cost of $1,380,080 at June 30, 2025 and $1,367,123 at December 31, 2024) 1,275,370 1,231,532
Held-to-maturity debt securities, at amortized cost (fair value of $278,948 at June 30, 2025 and $267,295 December 31, 2024) 312,493 312,462
Equity securities, at fair value 784 768
Total loans and leases, net of unearned income and deferred costs and fees 6,172,654 6,019,922
Less: Allowance for credit losses 58,555 56,496
Net Loans and Leases 6,114,099 5,963,426
Federal Home Loan Bank and other stock 37,129 42,255
Bank premises and equipment, net 74,408 76,627
Corporate owned life insurance 76,835 76,448
Goodwill 92,602 92,602
Other intangible assets, net 2,237 2,203
Accrued interest and other assets 175,310 176,359
Total Assets 8,373,818 8,109,080
Interest bearing:    
Checking, savings and money market 3,616,117 3,558,946
Time 1,225,941 1,068,375
Noninterest bearing 1,873,737 1,844,484
Total Deposits 6,715,795 6,471,805
Federal funds purchased and securities sold under agreements to repurchase 127,111 37,036
Other borrowings 672,696 790,247
Other liabilities 96,423 96,548
Total Liabilities 7,612,025 7,395,636
Tompkins Financial Corporation shareholders' equity:    
Common Stock - par value $0.10 per share: Authorized 25,000,000 shares; Issued: 14,461,505 at June 30, 2025; and 14,468,013 at December 31, 2024 1,447 1,447
Additional paid-in capital 300,001 300,073
Retained earnings 560,385 537,157
Accumulated other comprehensive loss (95,115) (118,492)
Treasury stock, at cost – 98,489 shares at June 30, 2025, and 131,497 shares at December 31, 2024 (4,925) (6,741)
Total Equity 761,793 713,444
Total Liabilities and Equity $ 8,373,818 $ 8,109,080
v3.25.2
CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Statement of Financial Position [Abstract]    
Available-for-sale securities, at amortized cost $ 1,380,080 $ 1,367,123
Held-to-maturity securities, at fair value $ 278,948 $ 267,295
Common stock, par value (in dollars per share) $ 0.10 $ 0.10
Common stock, authorized (in shares) 25,000,000 25,000,000
Common stock, issued (in shares) 14,461,505 14,468,013
Treasury stock at cost (in shares) 98,489 131,497
v3.25.2
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST AND DIVIDEND INCOME        
Loans $ 82,293 $ 73,646 $ 160,923 $ 145,245
Due from banks 187 184 362 338
Available-for-sale debt securities 9,311 9,371 18,040 18,982
Held-to-maturity debt securities 1,220 1,219 2,437 2,437
Federal Home Loan Bank and other stock 635 820 1,346 1,421
Total Interest and Dividend Income 93,646 85,240 183,108 168,423
INTEREST EXPENSE        
Time certificates of deposits of $250,000 or more 4,140 4,048 8,647 8,058
Other deposits 23,339 21,236 45,482 41,660
Federal funds purchased and securities sold under agreements to repurchase 61 11 102 24
Other borrowings 5,976 8,992 12,085 17,053
Total Interest Expense 33,516 34,287 66,316 66,795
Net Interest Income 60,130 50,953 116,792 101,628
Less: Provision for credit loss expense 2,780 2,172 8,067 3,026
Net Interest Income After Provision for Credit Loss Expense 57,350 48,781 108,725 98,602
NONINTEREST INCOME        
Insurance commissions and fees 9,609 9,087 21,208 19,346
Wealth management fees 4,964 4,849 10,083 9,786
Service charges on deposit accounts 1,790 1,766 3,595 3,562
Card services income 3,150 3,278 5,776 6,217
Other income 2,998 2,802 6,867 5,022
Net gain (loss) on securities transactions 1 (6) 15 (20)
Total Noninterest Income 22,512 21,776 47,544 43,913
NONINTEREST EXPENSE        
Salaries and wages 26,368 24,919 51,345 49,616
Other employee benefits 7,162 6,545 14,262 12,956
Net occupancy expense of premises 3,108 3,139 6,678 6,696
Furniture and fixture expense 2,069 1,910 3,856 4,035
Amortization of intangible assets 84 80 168 156
Other operating expense 12,832 13,349 25,921 26,340
Total Noninterest Expenses 51,623 49,942 102,230 99,799
Income before income tax expense 28,239 20,615 54,039 42,716
Income Tax Expense 6,768 4,902 12,889 10,100
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation 21,471 15,713 41,150 32,616
Less: Net Income Attributable to Noncontrolling Interests 0 31 0 62
Net Income Attributable to Tompkins Financial Corporation $ 21,471 $ 15,682 $ 41,150 $ 32,554
Basic Earnings Per Share (in dollars per share) $ 1.51 $ 1.10 $ 2.89 $ 2.29
Diluted Earnings Per Share (in dollars per share) $ 1.50 $ 1.10 $ 2.87 $ 2.29
v3.25.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Statement of Comprehensive Income [Abstract]        
Net income attributable to noncontrolling interests and Tompkins Financial Corporation $ 21,471 $ 15,713 $ 41,150 $ 32,616
Available-for-sale debt securities:        
Change in net unrealized gain (loss) during the period 7,044 (1,051) 23,161 (11,079)
Reclassification adjustment for net realized (gain) loss on sale of available-for-sale debt securities included in net income 0 0 0 0
Employee benefit plans:        
Amortization of net retirement plan actuarial loss 14 162 142 345
Amortization of net retirement plan prior service cost 37 35 74 69
Other comprehensive income (loss) 7,095 (854) 23,377 (10,665)
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation 28,566 14,859 64,527 21,951
Less: Net income attributable to noncontrolling interests 0 31 0 62
Total comprehensive income attributable to Tompkins Financial Corporation $ 28,566 $ 14,828 $ 64,527 $ 21,889
v3.25.2
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
OPERATING ACTIVITIES    
Net income attributable to Tompkins Financial Corporation $ 41,150 $ 32,554
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit loss expense 8,067 3,026
Depreciation and amortization of premises, equipment, and software 4,253 5,610
Amortization of intangible assets 168 156
Earnings from corporate owned life insurance (1,393) (1,777)
Net amortization on securities (1,071) (604)
Amortization/accretion related to purchase accounting (127) (462)
Net (gain) loss on securities transactions (15) 20
Net gain on sale of loans originated for sale (1,045) (314)
Proceeds from sale of loans originated for sale 35,630 8,528
Loans originated for sale (35,225) (8,764)
Net loss (gain) on sale of bank premises and equipment 15 (189)
Net excess tax (expense) benefit from stock-based compensation (11) (186)
Stock-based compensation expense 1,915 1,715
Increase in accrued interest receivable (1,781) (3,517)
Increase in accrued interest payable 387 1,029
Other, net (9,745) 13,698
Net Cash Provided by Operating Activities 41,172 50,523
INVESTING ACTIVITIES    
Proceeds from maturities, calls and principal paydowns of available-for-sale debt securities 119,492 91,068
Purchases of available-for-sale debt securities (131,408) (5,976)
Net increase in loans (170,255) (157,027)
Proceeds from sale/redemptions of Federal Home Loan Bank stock 63,342 48,290
Purchases of Federal Home Loan Bank and other stock (58,216) (55,953)
Proceeds from sale of bank premises and equipment 31 265
Purchases of bank premises, equipment and software (2,022) (2,368)
Purchase of corporate owned life insurance 0 (5,746)
Proceeds from redemption of corporate owned life insurance 1,006 3,115
Proceeds from sale of other real estate owned 16,130 174
Other, net 0 (587)
Net Cash (Used in) Provided by Investing Activities (161,900) (84,745)
FINANCING ACTIVITIES    
Net increase in demand, money market, and savings deposits 86,424 (95,230)
Net increase (decrease) in time deposits 157,689 (18,445)
Net increase (decrease) in Federal funds purchased and securities sold under agreements to repurchase 90,075 (15,007)
Increase in other borrowings 276,776 351,027
Repayment of other borrowings (394,327) (179,500)
Cash dividends (17,690) (17,226)
Common stock issued 58 81
Net shares issued related to restricted stock awards (121) (105)
Net proceeds from exercise of stock options (3) 0
Net Cash Provided by (Used in) Financing Activities 198,881 25,595
Net Increase (Decrease) in Cash and Cash Equivalents 78,153 (8,627)
Cash and cash equivalents at beginning of period 134,398 79,542
Total Cash and Cash Equivalents at End of Period 212,551 70,915
Supplemental Information:    
Cash paid during the year for - Interest 66,051 66,042
Cash paid during the year for - Taxes 13,755 2,560
Transfer of loans to other real estate owned 0 80
Transfer of loans to other assets 12,674 0
Right-of-use assets obtained in exchange for new lease liabilities $ 1,724 $ 181
v3.25.2
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($)
$ in Thousands
Total
Adjustment due to the adoption of ASU 2023-02
Common Stock
Additional Paid-in Capital
Retained Earnings
Retained Earnings
Adjustment due to the adoption of ASU 2023-02
Accumulated Other Comprehensive (Loss) Income
Treasury Stock
Non- controlling Interests
Beginning balance at Dec. 31, 2023 $ 669,934   $ 1,444 $ 297,183 $ 501,510   $ (125,005) $ (6,610) $ 1,412
Beginning balance (Adjustment due to the adoption of ASU 2023-02) at Dec. 31, 2023   $ (71)       $ (71)      
Increase (Decrease) in Stockholders' Equity [Roll Forward]                  
Net income attributable to noncontrolling interests and Tompkins Financial Corporation 32,616       32,554       62
Other comprehensive income (loss) (10,665)           (10,665)    
Total Comprehensive Income 21,951                
Cash dividends (17,427)       (17,427)        
Treasury stock activity and issued 107     81       26  
Stock-based compensation expense 1,715     1,715          
Directors deferred compensation plan 0     (228)       228  
Restricted stock activity (105)   (1) (104)          
Partial repurchase of noncontrolling interest (11)               (11)
Ending balance at Jun. 30, 2024 676,093   1,443 298,647 516,566   (135,670) (6,356) 1,463
Beginning balance at Mar. 31, 2024 669,338   1,444 297,790 509,668   (134,816) (6,180) 1,432
Increase (Decrease) in Stockholders' Equity [Roll Forward]                  
Net income attributable to noncontrolling interests and Tompkins Financial Corporation 15,713       15,682       31
Other comprehensive income (loss) (854)           (854)    
Total Comprehensive Income 14,859                
Cash dividends (8,784)       (8,784)        
Treasury stock activity and issued 54     40       14  
Stock-based compensation expense 731     731          
Directors deferred compensation plan 0     190       (190)  
Restricted stock activity (105)   (1) (104)          
Ending balance at Jun. 30, 2024 676,093   1,443 298,647 516,566   (135,670) (6,356) 1,463
Beginning balance at Dec. 31, 2024 713,444   1,447 300,073 537,157   (118,492) (6,741) 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]                  
Net income attributable to noncontrolling interests and Tompkins Financial Corporation 41,150       41,150      
Other comprehensive income (loss) 23,377           23,377    
Total Comprehensive Income 64,527                
Cash dividends (17,922)       (17,922)        
Net exercise of stock options (3)     (3)          
Treasury stock activity and issued 73     58       15  
Stock-based compensation expense 1,795     1,795          
Directors deferred compensation plan 0     (1,801)       1,801  
Restricted stock activity (121)   (121)          
Ending balance at Jun. 30, 2025 761,793   1,447 300,001 560,385   (95,115) (4,925) 0
Beginning balance at Mar. 31, 2025 741,377   1,447 299,013 547,887   (102,210) (4,760) 0
Increase (Decrease) in Stockholders' Equity [Roll Forward]                  
Net income attributable to noncontrolling interests and Tompkins Financial Corporation 21,471       21,471        
Other comprehensive income (loss) 7,095           7,095    
Total Comprehensive Income 28,566                
Cash dividends (8,973)       (8,973)        
Net exercise of stock options (3)     (3)          
Treasury stock activity and issued 38     30       8  
Stock-based compensation expense 884     884          
Directors deferred compensation plan 0     173       (173)  
Restricted stock activity (96)     (96)          
Ending balance at Jun. 30, 2025 $ 761,793   $ 1,447 $ 300,001 $ 560,385   $ (95,115) $ (4,925) $ 0
v3.25.2
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Statement of Stockholders' Equity [Abstract]        
Cash dividends (in dollars per share) $ 0.62 $ 0.61 $ 1.24 $ 1.21
Net exercise of stock options (in shares) 77   77  
Treasury stock activity and issued (in shares) 581 1,090 1,130 1,990
Directors deferred compensation plan (in shares) 2,710 3,933 31,878 3,687
Restricted stock activity (in shares) (3,546) (10,905) (6,585) (12,706)
Accounting Standards Update [Extensible Enumeration]       Adjustment due to the adoption of ASU 2023-02
v3.25.2
Business
 6 Months Ended
Jun. 30, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Business Business
Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. At June 30, 2025, the Company had one wholly-owned banking subsidiary, Tompkins Community Bank. Tompkins Community Bank provides a full array of trust and wealth management services under the Tompkins Financial Advisors brand, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. The Company also has a wholly-owned insurance agency subsidiary, Tompkins Insurance Agencies, Inc. ("Tompkins Insurance"). The Company’s principal offices are located at 118 E. Seneca Street, Ithaca, New York, 14850, and its telephone number is (888) 503-5753. The Company’s common stock is traded on the NYSE American under the symbol "TMP."
As a registered financial holding company, the Company is regulated under the Bank Holding Company Act of 1956 ("BHC Act"), as amended and is subject to examination and comprehensive regulation by the Federal Reserve Board ("FRB"). The Company is also subject to the jurisdiction of the Securities and Exchange Commission ("SEC") and is subject to disclosure and regulatory requirements under the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. The Company is subject to the rules of the NYSE American for listed companies.
Tompkins Community Bank is subject to examination and comprehensive regulation by various regulatory authorities, including the Federal Deposit Insurance Corporation ("FDIC") and the New York State Department of Financial Services ("NYSDFS"). Each of these agencies issues regulations and requires the filing of reports describing the activities and financial condition of the entities under its jurisdiction. Likewise, such agencies conduct examinations on a recurring basis to evaluate the safety and soundness of those institutions, and to test compliance with various regulatory requirements, including: consumer protection, privacy, fair lending, the Community Reinvestment Act, the Bank Secrecy Act, sales of non-deposit investments, electronic data processing, and trust department activities. These agencies also examine and regulate the trust business of Tompkins Community Bank.
Tompkins Insurance is subject to examination and regulation by the NYSDFS and the Pennsylvania Insurance Department.
v3.25.2
Basis of Presentation
 6 Months Ended
Jun. 30, 2025
Accounting Policies [Abstract]  
Basis of Presentation Basis of Presentation
The unaudited consolidated financial statements included in this quarterly report do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles ("GAAP") for a full year presentation and certain disclosures have been condensed or omitted in accordance with rules and regulations of the SEC. In the application of certain accounting policies, management is required to make assumptions regarding the effect of matters that are inherently uncertain. These estimates and assumptions affect the reported amounts of certain assets, liabilities, revenues, and expenses in the unaudited consolidated financial statements. Different amounts could be reported under different conditions, or if different assumptions were used in the application of these accounting policies. The accounting policy that management considers critical in this respect is the determination of the allowance for credit losses.
In management’s opinion, the unaudited consolidated financial statements reflect all adjustments of a normal recurring nature. The results of operations for the interim periods are not necessarily indicative of the results of operations to be expected for the full year ended December 31, 2025. The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024.
Cash and cash equivalents in the consolidated statements of cash flow include cash and noninterest bearing balances due from banks, interest-bearing balances due from banks, and money market funds. Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that the Company is not exposed to any significant credit risk on cash and cash equivalents.
The Company has evaluated subsequent events for potential recognition and/or disclosure as of the date of these unaudited consolidated financial statements, and determined that no further disclosures were required.
The consolidated financial information included herein combines the results of operations, assets, liabilities, and shareholders’ equity of the Company and its subsidiaries. Amounts in the prior periods’ unaudited consolidated financial statements are
reclassified when necessary to conform to the current period’s presentation. All significant intercompany balances and transactions are eliminated in consolidation.
Newly Adopted Accounting Standards
ASU No. 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures." The amendments in this update improve financial reporting by requiring disclosure of incremental segment information on an annual and interim basis. The amendments in this ASU are effective for the Company for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Adoption did not have a significant effect on our financial statements or disclosures.

ASU No. 2024-02, "Codification Improvements," removes all references to FASB Concepts Statements from the FASB Accounting Standards Codification to simplify the Codification. The amendments in this ASU are effective for the Company for fiscal years beginning after December 15, 2024, including interim periods within those fiscal years. Adoption did not have a significant effect on our financial statements or disclosures.
Accounting Standards Pending Adoption
ASU No. 2023-06, "Disclosure Improvements," amends the disclosure or presentation requirements related to various subtopics in the FASB Accounting Standards Codification. The new guidance is intended to align GAAP requirements with those of the SEC. The ASU will become effective for each amendment on the earlier of the date on which the SEC's removal of its related disclosure requirement from Regulation S-X or Regulation S-K becomes effective, or June 30, 2027. Early adoption is prohibited. Adoption of ASU 2023 - 06 is not expected to have a material impact on our consolidated financial statements.
ASU No. 2023-09, "Income Taxes (Topic 740) - Improvements to Income Tax Disclosures." The amendments in this update relate to the rate reconciliation and income taxes paid disclosures to improve the transparency of income tax disclosures by requiring (1) consistent categories and greater disaggregation of information in the rate reconciliation and (2) income taxes paid disaggregated by jurisdiction. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Tompkins is currently evaluating the potential impact of ASU 2023-09 on our consolidated financial statements.
ASU No. 2024-03, "Disaggregation of Income Statement Expenses," requires new financial statement disclosures in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense captions, including employee compensation, depreciation, and intangible asset amortization. Tompkins is required to adopt this ASU prospectively for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption and retrospective application are permitted.
The Company reviews new accounting standards as issued. Management has not identified any other new standards that it believes will have a significant impact on the Company’s financial statements.
v3.25.2
Securities
 6 Months Ended
Jun. 30, 2025
Investments, Debt and Equity Securities [Abstract]  
Securities Securities
Available-for-Sale Debt Securities
The following tables summarize available-for-sale debt securities held by the Company at June 30, 2025 and December 31, 2024:
June 30, 2025Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$55,318 $229 $2,487 $53,060 
Obligations of U.S. Government sponsored entities393,391 5,105 14,557 383,939 
Obligations of U.S. states and political subdivisions83,446 6 7,341 76,111 
Mortgage-backed securities – residential, issued by
 U.S. Government agencies93,039 58 4,373 88,724 
 U.S. Government sponsored entities752,386 3,754 85,049 671,091 
U.S. corporate debt securities2,500 0 55 2,445 
Total available-for-sale debt securities$1,380,080 $9,152 $113,862 $1,275,370 
December 31, 2024Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$75,141 $140 $3,784 $71,497 
Obligations of U.S. Government sponsored entities398,648 2,008 20,376 380,280 
Obligations of U.S. states and political subdivisions86,328 4 8,638 77,694 
Mortgage-backed securities – residential, issued by
U.S. Government agencies68,130 3 4,879 63,254 
U.S. Government sponsored entities736,376 1,680 101,696 636,360 
U.S. corporate debt securities2,500 0 53 2,447 
Total available-for-sale debt securities$1,367,123 $3,835 $139,426 $1,231,532 
Held-to-Maturity Debt Securities
The following tables summarize held-to-maturity debt securities held by the Company at June 30, 2025 and December 31, 2024:
June 30, 2025Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$85,938 $0 $8,333 $77,605 
Obligations of U.S. Government sponsored entities226,555 0 25,212 201,343 
Total held-to-maturity debt securities$312,493 $0 $33,545 $278,948 
December 31, 2024Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$86,049 $0 $11,361 $74,688 
Obligations of U.S. Government sponsored entities226,413 0 33,806 192,607 
Total held-to-maturity debt securities$312,462 $0 $45,167 $267,295 
The Company may from time to time sell debt securities from its available-for-sale portfolio. There were no realized gains or losses on sales of available-for-sale debt securities for the three or six months ended June 30, 2025 and June 30, 2024. The Company's investment portfolio includes callable securities that may be called prior to maturity. There were no realized gains or losses on called available-for-sale debt securities for the three or six months ended June 30, 2025 and June 30, 2024. The Company recognized net gains of $1,000 and $15,300 for the three and six months ended June 30, 2025, respectively, compared to net losses of $6,100 and $20,400 for the three and six months ended June 30, 2024, respectively, on equity securities, reflecting the change in fair value.
The following table summarizes available-for-sale debt securities that had unrealized losses at June 30, 2025, and December 31, 2024:
June 30, 2025Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $38,350 $2,487 $38,350 $2,487 
Obligations of U.S. Government sponsored entities9,494 84 158,738 14,473 168,232 14,557 
Obligations of U.S. states and political subdivisions3,530 8 71,284 7,334 74,814 7,342 
Mortgage-backed securities – residential, issued by
U.S. Government agencies44,762 258 32,451 4,114 77,213 4,372 
U.S. Government sponsored entities29,446 335 497,332 84,714 526,778 85,049 
U.S. corporate debt securities0 0 2,445 55 2,445 55 
Total available-for-sale debt securities$87,232 $685 $800,600 $113,177 $887,832 $113,862 
December 31, 2024Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $57,019 $3,784 $57,019 $3,784 
Obligations of U.S. Government sponsored entities14,085 515 188,296 19,861 202,381 20,376 
Obligations of U.S. states and political subdivisions3,159 36 73,657 8,602 76,816 8,638 
Mortgage-backed securities – residential, issued by
U.S. Government agencies27,0828935,8794,79062,9614,879
U.S. Government sponsored entities32,063502523,353101,194555,416101,696
U.S. corporate debt securities0 0 2,447 53 2,447 53 
Total available-for-sale debt securities$76,389 $1,142 $880,651 $138,284 $957,040 $139,426 
The following table summarizes held-to-maturity debt securities that had unrealized losses at June 30, 2025 and December 31, 2024:
June 30, 2025Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $77,605 $8,333 $77,605 $8,333 
Obligations of U.S. Government sponsored entities0 0 201,343 25,212 201,343 25,212 
Total held-to-maturity debt securities$0 $0 $278,948 $33,545 $278,948 $33,545 
December 31, 2024Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $74,688 $11,361 $74,688 $11,361 
Obligations of U.S. Government sponsored entities0 0 192,607 33,806 192,607 33,806 
Total held-to-maturity debt securities$0 $0 $267,295 $45,167 $267,295 $45,167 
The Company evaluates available-for-sale debt securities for expected credit losses ("ECL") in unrealized loss positions at each measurement date to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors.
Factors that may be indicative of ECL include, but are not limited to, the following:
•Extent to which the fair value is less than the amortized cost basis.
•Adverse conditions specifically related to the security, an industry, or geographic area (changes in technology, business practice).
•Payment structure of the debt security with respect to underlying issuer or obligor.
•Failure of the issuer to make scheduled payment of principal and/or interest.
•Changes to the rating of a security or issuer by a nationally recognized statistical rating organization.
•Changes in tax or regulatory guidelines that impact a security or underlying issuer.
For available-for-sale debt securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (technical impairment) is the result of changes in interest rates or reflects a fundamental change in the credit worthiness of the underlying issuer. Any impairment that is not credit related is recognized in other comprehensive income (loss), net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses ("ACL") on the Consolidated Statements of Condition, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the ACL and the adjustment to net income may be reversed if conditions change.
Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type with each type sharing similar risk characteristics and considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Management has made the accounting policy election to exclude accrued interest receivable on held-to-maturity debt securities from the estimate of credit losses. As of June 30, 2025, the held-to-maturity portfolio consisted of U.S. Treasury securities and securities issued by U.S. government-sponsored enterprises, including the Federal National Mortgage Agency, the Federal Home Loan Bank ("FHLB") and the Federal Farm Credit Banks Funding Corporation. U.S. Treasury securities are backed by the full faith and credit of and/or guaranteed by the U.S. government, and it is expected that the securities will not be settled at prices less than the amortized cost bases of the securities. Securities issued by U.S. government agencies or U.S. government-sponsored enterprises carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as "risk-free," and have a long history of zero credit loss. As such, the Company did not record an allowance for credit losses for these securities as of June 30, 2025 or December 31, 2024.
The gross unrealized losses reported for residential mortgage-backed securities relate to investment securities issued by U.S. government sponsored entities such as Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, and U.S. government agencies such as Government National Mortgage Association. The total gross unrealized losses, shown in the tables above, were primarily attributable to changes in interest rates and levels of market liquidity, relative to when the investment securities were purchased, and not due to the credit-related quality of the investment securities. The Company does not have the intent to sell these securities and does not believe it is more likely than not that the Company will be required to sell these securities before a recovery of amortized cost.
The amortized cost and estimated fair value of debt securities by contractual maturity are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities are shown separately since they are not due at a single maturity date.
June 30, 2025
(In thousands)Amortized CostFair Value
Available-for-sale debt securities:
Due in one year or less$80,231 $80,115 
Due after one year through five years222,856 215,331 
Due after five years through ten years229,246 218,289 
Due after ten years2,322 1,820 
Total534,655 515,555 
Mortgage-backed securities845,425 759,815 
Total available-for-sale debt securities$1,380,080 $1,275,370 
December 31, 2024
(In thousands)Amortized CostFair Value
Available-for-sale debt securities:
Due in one year or less$100,000 $99,153 
Due after one year through five years227,502 215,976 
Due after five years through ten years212,789 199,457 
Due after ten years22,326 17,332 
Total562,617 531,918 
Mortgage-backed securities804,506 699,614 
Total available-for-sale debt securities$1,367,123 $1,231,532 
June 30, 2025
(In thousands)Amortized CostFair Value
Held-to-maturity debt securities:
Due after one year through five years$117,046 $105,822 
Due after five years through ten years195,447 173,126 
Total held-to-maturity debt securities$312,493 $278,948 
December 31, 2024
(In thousands)Amortized CostFair Value
Held-to-maturity debt securities:
Due after one year through five years$117,283 $102,173 
Due after five years through ten years$195,179 $165,122 
Total held-to-maturity debt securities$312,462 $267,295 
The Company also holds non-marketable Federal Home Loan Bank of New York ("FHLBNY") stock and non-marketable Atlantic Community Bankers Bank ("ACBB") stock, all of which are required to be held for regulatory purposes and for borrowing availability. The required investment in FHLB stock is tied to the Company’s borrowing levels with the FHLB. Holdings of FHLBNY stock and ACBB stock totaled $37.0 million and $95,000, respectively, at June 30, 2025. These securities are carried at par, which is also cost. The FHLBNY continues to pay dividends and repurchase stock. Quarterly, we evaluate our investment in the FHLB for impairment. We evaluate recent and long-term operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history and impact of legislative and regulatory changes. Based on our most recent evaluation, as of June 30, 2025, we determined that no impairment write-downs were required.
v3.25.2
Loans and Leases
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Loans and Leases Loans and Leases
Loans and leases at June 30, 2025 and December 31, 2024 were as follows:
(In thousands)06/30/202512/31/2024
Commercial and industrial
Agriculture$97,133 $110,007 
Commercial and industrial other909,954 855,568 
Subtotal commercial and industrial1,007,087 965,575 
Commercial real estate
Construction345,416 385,931 
Agriculture225,418 217,582 
Commercial real estate other2,929,747 2,776,304 
Subtotal commercial real estate3,500,581 3,379,817 
Residential real estate
Home equity213,579 204,194 
Mortgages1,356,987 1,366,646 
Subtotal residential real estate1,570,566 1,570,840 
Consumer and other
Indirect113 229 
Consumer and other87,723 96,163 
Subtotal consumer and other87,836 96,392 
Leases11,001 12,484 
Total loans and leases6,177,071 6,025,108 
Less: unearned income and deferred costs and fees(4,417)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,172,654 $6,019,922 
The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 3 – "Loans and Leases" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024. There have been no significant changes in these policies and guidelines since the date of that report. As such, these policies are reflective of new originations as well as those balances held at December 31, 2024. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting systems to monitor loan origination, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans.
Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Generally loans are placed on nonaccrual status if principal or interest payments become 90 days or more past due and/or management deems the collectability of the principal and/or interest to be in question as well as when required by regulatory agencies. When interest accrual is discontinued, all unpaid accrued interest is reversed. Payments received on loans on nonaccrual are generally applied to reduce the principal balance of the loan. Loans are generally returned to accrual status when all the principal and interest amounts due are brought current, the borrower has established a payment history, and future payments are reasonably assured. When management determines that the collection of principal in full is not probable, management will charge-off a partial amount or full amount of the loan balance. Management considers specific facts and circumstances relative to each individual credit in making such a determination. For residential and consumer loans, management uses specific regulatory guidance and thresholds for determining charge-offs.
The below tables are an age analysis of past due loans, segregated by class of loans, as of June 30, 2025 and December 31, 2024:
June 30, 2025
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $97,133 $97,133
Commercial and industrial other181 971 2,202 3,354 906,600 909,954 
Subtotal commercial and industrial181 971 2,202 3,354 1,003,733 1,007,087 
Commercial real estate
Construction0 0 17,302 17,302 328,114 345,416
Agriculture38 0 0 38 225,380 225,418
Commercial real estate other1,567 767 12,454 14,788 2,914,959 2,929,747
Subtotal commercial real estate1,605 767 29,756 32,128 3,468,453 3,500,581 
Residential real estate
Home equity358 30 2,328 2,716 210,863 213,579
Mortgages0 1,256 9,956 11,212 1,345,775 1,356,987
Subtotal residential real estate358 1,286 12,284 13,928 1,556,638 1,570,566 
Consumer and other
Indirect1 0 3 4 109 113
Consumer and other337 351 179 867 86,856 87,723
Subtotal consumer and other338 351 182 871 86,965 87,836 
Leases0 0 0 0 11,001 11,001 
Total loans and leases2,482 3,375 44,424 50,281 6,126,790 6,177,071 
Less: unearned income and deferred costs and fees0 0 0 0 (4,417)(4,417)
Total loans and leases, net of unearned income and deferred costs and fees$2,482 $3,375 $44,424 $50,281 $6,122,373 $6,172,654 
December 31, 2024
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $110,007 $110,007 
Commercial and industrial other3,944 32 684 4,660 850,908 855,568 
Subtotal commercial and industrial3,944 32 684 4,660 960,915 965,575 
Commercial real estate
Construction1,120 17,400 0 18,520 367,411 385,931 
Agriculture81 0 0 81 217,501 217,582 
Commercial real estate other0 1,605 11,966 13,571 2,762,733 2,776,304 
Subtotal commercial real estate1,201 19,005 11,966 32,172 3,347,645 3,379,817 
Residential real estate
Home equity955 91 1,811 2,857 201,337 204,194 
Mortgages0 2,836 9,257 12,093 1,354,553 1,366,646 
Subtotal residential real estate955 2,927 11,068 14,950 1,555,890 1,570,840 
Consumer and other
Indirect3 2 7 12 217 229 
Consumer and other430 329 354 1,113 95,050 96,163 
Subtotal consumer and other433 331 361 1,125 95,267 96,392 
Leases0 0 0 0 12,484 12,484 
Total loans and leases6,533 22,295 24,079 52,907 5,972,201 6,025,108 
Less: unearned income and deferred costs and fees0 0 0 0 (5,186)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,533 $22,295 $24,079 $52,907 $5,967,015 $6,019,922 
The following tables present the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans, as of June 30, 2025 and December 31, 2024:
June 30, 2025December 31, 2024
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and AccruingNonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $519 $0 
Commercial and industrial other0 2,570 0 0 1,023 0 
Subtotal commercial and industrial0 2,570 0 0 1,542 0 
Commercial real estate
Construction17,302 17,302 0 0 0 0 
Agriculture0 100 0 0 129 0 
Commercial real estate other8,193 15,278 0 24,179 32,461 0 
Subtotal commercial real estate25,495 32,680 0 24,179 32,590 0 
Residential real estate
Home equity232 2,872 0 610 2,889 0 
Mortgages2,272 14,077 1 1,338 13,389 9 
Subtotal residential real estate2,504 16,949 1 1,948 16,278 9 
Consumer and other
Indirect0 6 0 0 13 0 
Consumer and other0 120 165 0 125 314 
Subtotal consumer and other0 126 165 0 138 314 
Leases0 0 0 0 0 0 
Total loans and leases$27,999 $52,325 $166 $26,127 $50,548 $323 
The Company did not recognize any interest income on nonaccrual loans during the three and six months ended June 30, 2025 and 2024.
v3.25.2
Allowance for Credit Losses
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Allowance for Credit Losses Allowance for Credit Losses
Management reviews the appropriateness of the ACL on a regular basis. Management considers the accounting policy relating to the allowance to be a critical accounting policy, given the inherent uncertainty in evaluating the levels of the allowance required to cover credit losses in the portfolio and the material effect that assumptions could have on the Company’s results of operations. The Company has developed a methodology to measure the amount of estimated credit loss exposure inherent in the loan portfolio to assure that an appropriate allowance is maintained. The Company’s methodology is based upon guidance provided in SEC Staff Accounting Bulletin No. 119, Measurement of Credit Losses on Financial Instruments ("CECL"), and Financial Instruments - Credit Losses and ASC Topic 326, Financial Instruments - Credit Losses.
The Company uses a Discounted Cash Flow ("DCF") method to estimate expected credit losses for all loan segments excluding the leasing segment. For each of these loan segments, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, recovery lag, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on internal historical data.
The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loans utilizing the DCF method, management utilizes forecasts of national unemployment and a one year percentage change in national gross domestic product as loss drivers in the model.
For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over eight quarters on a straight-line basis. Management leverages economic projections from a reputable and independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts, and scenario weightings, are also considered by management when developing the forecast metrics.
Due to the size and characteristics of the leasing portfolio, the Company uses the remaining life method, using the historical loss rate of the commercial and industrial segment, to determine the allowance for credit losses.
The combination of adjustments for credit expectations and timing expectations produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce a net present value of expected cash flows ("NPV"). An ACL is established for the difference between the NPV and amortized cost basis.
Since the methodology is based upon historical experience and trends, current conditions, and reasonable and supportable forecasts, as well as management’s judgment, factors may arise that result in different estimates. While management’s evaluation of the allowance as of June 30, 2025 considers the allowance to be appropriate, under certain conditions or assumptions, the Company would need to increase or decrease the allowance. In addition, various federal and State regulatory agencies, as part of their examination process, review the Company's allowance and may require the Company to recognize additions to the allowance based on their judgments and information available to them at the time of their examinations.
Loan Commitments and Allowance for Credit Losses on Off-Balance Sheet Credit Exposures
Financial instruments include off-balance sheet credit instruments, such as commitments to make loans, and commercial letters of credit. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancellable, through a charge to credit loss expense for off-balance sheet credit exposures included in provision expense in the Company's consolidated statements of income.
The following tables detail activity in the allowance for credit losses on loans for the three and six months ended June 30, 2025 and 2024. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
Three Months Ended June 30, 2025
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$8,618 $39,308 $11,542 $1,497 $58 $61,023 
Charge-offs(13)(4,882)0 (518)0 (5,413)
Recoveries9 2 8 140 0 159 
Provision (credit) for credit loss expense546 1,337 515 390 (2)2,786 
Ending Balance$9,160 $35,765 $12,065 $1,509 $56 $58,555 
Three Months Ended June 30, 2024
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$7,586 $31,467 $11,181 $1,396 $74 $51,704 
Charge-offs(30)0 0 (626)0 (656)
Recoveries11 1 5 130 0 147 
Provision (credit) for credit loss expense(155)1,091 383 551 (6)1,864 
Ending Balance$7,412 $32,559 $11,569 $1,451 $68 $53,059 
Six Months Ended June 30, 2025
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$7,684 $35,837 $11,345 $1,568 $62 $56,496 
Charge-offs(198)(4,882)0 (1,297)0 (6,377)
Recoveries51 4 35 300 0 390 
Provision (credit) for credit loss expense1,623 4,806 685 938 (6)8,046 
Ending Balance$9,160 $35,765 $12,065 $1,509 $56 $58,555 
Six Months Ended June 30, 2024
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$6,667 $31,581 $11,700 $1,557 $79 $51,584 
Charge-offs(30)0 0 (1,071)0 (1,101)
Recoveries18 3 125 218 0 364 
Provision (credit) for credit loss expense757 975 (256)747 (11)2,212 
Ending Balance$7,412 $32,559 $11,569 $1,451 $68 $53,059 
During the second quarter of 2025, the Company recorded a partial charge-off of $4.7 million related to one commercial real estate relationship totaling $18.1 million, for which there was a specific reserve of $4.2 million. The specific reserve was added in the first quarter of 2025 and reflected the estimated decrease in fair value of the collateral based on a new appraisal received at the end of that quarter. Subsequent to the partial charge-off that decreased the net value of the underlying collateral to fair value, interests in the underlying real property collateral were transferred to a limited liability company in which the Company holds a minority interest. At June 30, 2025, the property was majority occupied by commercial tenants, and was generating positive cash flow. The Company's investment in the limited liability company is accounted for as an equity method investment and included in other assets on the Company's Consolidated Statements of Condition.
The following tables detail activity in the liabilities for off-balance sheet credit exposures for the three and six months ended June 30, 2025 and 2024:
Three Months Ended June 30,
(In thousands)20252024
Liabilities for off-balance sheet credit exposures at beginning of period$1,490 $2,776 
(Credit) provision for credit loss expense related to off-balance sheet credit exposures(6)308 
Liabilities for off-balance sheet credit exposures at end of period$1,484 $3,084 
Six Months Ended June 30,
(In thousands)20252024
Liabilities for off-balance sheet credit exposures at beginning of period$1,463 $2,270 
Provision for credit loss expense related to off-balance sheet credit exposures21 814 
Liabilities for off-balance sheet credit exposures at end of period$1,484 $3,084 
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans, as of June 30, 2025 and December 31, 2024:
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
June 30, 2025
Commercial and Industrial$482 $0 $0 $482 $250 
Commercial Real Estate30,812 0 0 30,812 1,857 
Total Loans and Leases$31,294 $0 $0 $31,294 $2,107 
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
December 31, 2024
Commercial and Industrial$610 $0 $0 $610 $0 
Commercial Real Estate31,051 0 0 31,051 1,712 
Total Loans and Leases$31,661 $0 $0 $31,661 $1,712 
Loan Modifications to Borrowers Experiencing Financial Difficulty
The Company from time to time modifies loans to borrowers experiencing financial difficulty. The modifications may include interest rate reductions, principal or interest forgiveness, forbearances, term extensions, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral.
The following table shows the amortized cost basis as of June 30, 2025 and December 31, 2024 of the modified loans to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
June 30, 2025
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
Commercial and Industrial
Commercial and industrial other$118 $427 $0 $78 $0 $623 0.07 %
Subtotal commercial and industrial118 427 0 78 0 623 0.06 %
Commercial Real Estate
Commercial real estate other0 2,924 0 0 388 3,312 0.11 %
Subtotal commercial real estate0 2,924 0 0 388 3,312 0.09 %
Residential
Home equity0 0 0 37 0 37 0.02 %
Mortgages0 0 0 110 620 730 0.05 %
Subtotal residential0 0 0 147 620 767 0.05 %
Consumer
Consumer and other21 0 0 0 0 21 0.02 %
Subtotal consumer21 0 0 0 0 21 0.02 %
Total loans and leases$139 $3,351 $0 $225 $1,008 $4,723 0.08 %
December 31, 2024
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
Commercial and Industrial
Commercial and industrial other$10 $463 $0 $110 $45 $628 0.07 %
Subtotal commercial and industrial10 463 0 110 45 628 0.07 %
Commercial Real Estate
Commercial real estate other0 2,990 0 0 394 3,384 0.12 %
Subtotal commercial real estate0 2,990 0 0 394 3,384 0.10 %
Residential
Home equity0 0 0 40 0 40 0.02 %
Mortgages0 0 0 112 548 660 0.05 %
Subtotal residential0 0 0 152 548 700 0.04 %
Consumer
Consumer and other22 0 0 0 0 22 0.02 %
Subtotal consumer22 0 0 0 0 22 0.02 %
Total loans and leases$32 $3,453 $0 $262 $987 $4,734 0.08 %
There were no loan modifications made to borrowers experiencing financial difficulty that defaulted during the three and six months ended June 30, 2025 and December 31, 2024.
The following table shows the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of June 30, 2025 and December 31, 2024:
June 30, 2025Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
Commercial and Industrial
Commercial and industrial other$617 $0 $0 $0 $6 $623 
Subtotal commercial and industrial617 0 0 0 6 623 
Commercial Real Estate
Commercial real estate other3,312 0 0 0 0 3,312 
Subtotal commercial real estate3,312 0 0 0 0 3,312 
Residential Real Estate
Home equity0 0 0 0 37 37 
Mortgages263 0 0 0 467 730 
Subtotal residential real estate263 0 0 0 504 767 
Consumer and Other
Consumer and other0 0 0 0 21 21 
Subtotal consumer and other0 0 0 0 21 21 
Total$4,192 $0 $0 $0 $531 $4,723 
December 31, 2024Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
Commercial and Industrial
Commercial and industrial other$618 $0 $0 $0 $10 $628 
Subtotal commercial and industrial618 0 0 0 10 628 
Commercial Real Estate
Commercial real estate other3,384 0 0 0 0 3,384 
Subtotal commercial real estate3,384 0 0 0 0 3,384 
Residential Real Estate
Home equity0 0 0 0 40 40 
Mortgages154 0 112 0 394 660 
Subtotal residential real estate154 0 112 0 434 700 
Consumer and Other
Consumer and other0 0 0 0 22 22 
Subtotal consumer and other0 0 0 0 22 22 
Total$4,156 $0 $112 $0 $466 $4,734 
The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of June 30, 2025 and December 31, 2024:
June 30, 2025
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$80,826 $139,160 $107,918 $81,974 $44,540 $165,706 $276,817 $3,174 $900,115 
Special Mention0 517 1,554 123 96 1,500 3,107 0 6,897 
Substandard0 390 19 28 711 558 1,045 191 2,942 
Total Commercial and Industrial - Other$80,826 $140,067 $109,491 $82,125 $45,347 $167,764 $280,969 $3,365 $909,954 
Current-period gross writeoffs$0 $80 $67 $38 $0 $13 $0 $0 $198 
Commercial and Industrial - Agriculture:
Pass$5,230 $13,514 $25,210 $8,939 $1,947 $7,321 $34,521 $390 $97,072 
Special Mention0 0 0 0 28 0 0 0 28 
Substandard0 0 0 0 0 33 0 0 33 
Total Commercial and Industrial - Agriculture$5,230 $13,514 $25,210 $8,939 $1,975 $7,354 $34,521 $390 $97,133 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$174,864 $330,483 $271,164 $353,475 $349,728 $1,292,557 $62,761 $25,446 $2,860,478 
Special Mention0 0 0 1,488 586 30,870 0 0 32,944 
Substandard0 399 927 1,150 1,463 31,509 877 0 36,325 
Total Commercial Real Estate$174,864 $330,882 $272,091 $356,113 $351,777 $1,354,936 $63,638 $25,446 $2,929,747 
Current-period gross writeoffs$0 $0 $0 $0 $2,000 $2,882 $0 $0 $4,882 
Commercial Real Estate - Agriculture:
Pass$9,672 $24,380 $11,797 $40,696 $20,802 $110,414 $6,895 $445 $225,101 
Special Mention0 0 0 0 0 179 0 0 179 
Substandard0 0 0 0 0 138 0 0 138 
Total Commercial Real Estate - Agriculture$9,672 $24,380 $11,797 $40,696 $20,802 $110,731 $6,895 $445 $225,418 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$2,535 $28,917 $8,257 $2,357 $23,134 $321 $259,325 $3,268 $328,114 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,302 0 17,302 
Total Commercial Real Estate - Construction$2,535 $28,917 $8,257 $2,357 $23,134 $321 $276,627 $3,268 $345,416 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$950 $15,848 $3,346 $3,701 $1,260 $15,867 $168,807 $928 $210,707 
Nonperforming0 0 0 0 0 648 2,224 0 2,872 
Total Residential - Home Equity$950 $15,848 $3,346 $3,701 $1,260 $16,515 $171,031 $928 $213,579 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$41,124 $109,694 $126,284 $166,241 $230,435 $669,131 $0 $0 $1,342,909 
Nonperforming0 0 1,028 848 945 11,257 0 0 14,078 
Total Residential - Mortgages$41,124 $109,694 $127,312 $167,089 $231,380 $680,388 $0 $0 $1,356,987 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$27,749 $13,708 $13,884 $8,530 $8,017 $13,666 $2,048 $0 $87,602 
Nonperforming13 0 3 0 0 102 3 0 121 
Total Consumer - Direct$27,762 $13,708 $13,887 $8,530 $8,017 $13,768 $2,051 $0 $87,723 
Current-period gross writeoffs$1,219 $3 $0 $17 $17 $36 $0 $0 $1,292 
Consumer - Indirect
Performing$0 $0 $0 $0 $31 $76 $0 $0 $107 
Nonperforming0 0 0 0 0 6 0 0 6 
Total Consumer - Indirect$0 $0 $0 $0 $31 $82 $0 $0 $113 
Current-period gross writeoffs$0 $0 $0 $0 $0 $5 $0 $0 $5 
December 31, 2024
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$164,809 $114,591 $60,984 $54,087 $19,311 $144,785 $256,621 $35,968 $851,156 
Special Mention334 288 174 808 144 375 157 0 2,280 
Substandard425 0 41 43 4 608 1,011 0 2,132 
Total Commercial and Industrial - Other$165,568 $114,879 $61,199 $54,938 $19,459 $145,768 $257,789 $35,968 $855,568 
Current-period gross writeoffs$0 $15 $30 $44 $21 $432 $0 $0 $542 
Commercial and Industrial - Agriculture:
Pass$15,686 $23,823 $9,893 $2,233 $1,660 $11,304 $42,438 $2,895 $109,932 
Special Mention0 0 0 34 0 0 0 0 34 
Substandard0 0 0 0 41 0 0 0 41 
Total Commercial and Industrial - Agriculture$15,686 $23,823 $9,893 $2,267 $1,701 $11,304 $42,438 $2,895 $110,007 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$331,943 $242,564 $324,510 $355,090 $277,220 $1,088,575 $50,632 $16,958 $2,687,492 
Special Mention0 0 1,499 599 15,205 12,637 4,452 0 34,392 
Substandard731 973 1,474 2,561 1,840 45,856 985 0 54,420 
Total Commercial Real Estate$332,674 $243,537 $327,483 $358,250 $294,265 $1,147,068 $56,069 $16,958 $2,776,304 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Agriculture:
Pass$23,754 $11,594 $37,398 $21,510 $19,853 $96,967 $4,169 $1,950 $217,195 
Special Mention0 0 0 0 0 217 0 0 217 
Substandard0 0 0 0 0 170 0 0 170 
Total Commercial Real Estate - Agriculture$23,754 $11,594 $37,398 $21,510 $19,853 $97,354 $4,169 $1,950 $217,582 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$13,160 $744 $682 $5,003 $1,986 $802 $293,479 $52,675 $368,531 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,400 0 17,400 
Total Commercial Real Estate - Construction$13,160 $744 $682 $5,003 $1,986 $802 $310,879 $52,675 $385,931 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$15,181 $3,106 $2,383 $1,053 $784 $12,993 $163,202 $2,603 $201,305 
Nonperforming0 0 0 0 0 594 2,295 0 2,889 
Total Residential - Home Equity$15,181 $3,106 $2,383 $1,053 $784 $13,587 $165,497 $2,603 $204,194 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$106,698 $130,463 $172,310 $239,307 $204,310 $500,169 $0 $0 $1,353,257 
Nonperforming0 707 612 737 948 10,385 0 0 13,389 
Total Residential - Mortgages$106,698 $131,170 $172,922 $240,044 $205,258 $510,554 $0 $0 $1,366,646 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$40,812 $18,082 $10,022 $9,109 $3,953 $11,485 $2,575 $0 $96,038 
Nonperforming0 4 24 8 4 77 8 0 125 
Total Consumer - Direct$40,812 $18,086 $10,046 $9,117 $3,957 $11,562 $2,583 $0 $96,163 
Current-period gross writeoffs$2,272 $15 $11 $32 $10 $229 $0 $0 $2,569 
Consumer - Indirect
Performing$0 $0 $0 $52 $23 $141 $0 $0 $216 
Nonperforming0 0 0 0 0 13 0 0 13 
Total Consumer - Indirect$0 $0 $0 $52 $23 $154 $0 $0 $229 
Current-period gross writeoffs$0 $0 $0 $0 $0 $29 $0 $0 $29 
v3.25.2
Earnings Per Share
 6 Months Ended
Jun. 30, 2025
Earnings Per Share [Abstract]  
Earnings Per Share Earnings Per Share
Earnings per share in the table below, for the three and six month periods ended June 30, 2025 and 2024 are calculated under the two-class method as required by ASC Topic 260, Earnings Per Share (ASC 260). ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method. Prior to 2019, the Company issued restricted stock awards that contained such rights and are therefore considered participating securities. Since 2019, the Company has issued restricted stock awards that do not have nonforfeitable rights to dividends and are therefore not considered participating securities. Basic earnings per common share are calculated by dividing net income allocable to common stock by the weighted average number of common shares, excluding participating securities, during the period. Diluted earnings per common share include the dilutive effect of participating securities.
Three Months Ended
(In thousands, except share and per share data)6/30/20256/30/2024
Basic
Net income available to common shareholders$21,471 $15,682 
Less: income attributable to unvested stock-based compensation awards0 0 
Net earnings allocated to common shareholders21,471 15,682 
Weighted average shares outstanding, including unvested stock-based compensation awards14,433,857 14,399,291 
Less: average unvested stock-based compensation awards(187,462)(184,717)
Weighted average shares outstanding - Basic14,246,395 14,214,574 
Diluted
Net earnings allocated to common shareholders21,471 15,682 
Weighted average shares outstanding - Basic14,246,395 14,214,574 
Plus: incremental shares from assumed conversion of stock-based compensation awards73,730 25,052 
Weighted average shares outstanding - Diluted14,320,125 14,239,626 
Basic EPS$1.51 $1.10 
Diluted EPS$1.50 $1.10 
Stock-based compensation awards representing 12,817 and 88,913 common shares during the three months ended June 30, 2025 and 2024, respectively, were not included in the computations of diluted earnings per common share because the effect on those periods would have been anti-dilutive.
Six Months Ended
(In thousands, except share and per share data)6/30/20256/30/2024
Basic
Net income available to common shareholders$41,150 $32,554 
Less: income attributable to unvested stock-based compensation awards0 0 
Net earnings allocated to common shareholders41,150 32,554 
Weighted average shares outstanding, including unvested stock-based compensation awards14,434,245 14,402,519 
Less: unvested stock-based compensation awards(187,979)(189,277)
Weighted average shares outstanding - Basic14,246,266 14,213,242 
Diluted
Net earnings allocated to common shareholders41,150 32,554 
Weighted average shares outstanding - Basic14,246,266 14,213,242 
Plus: incremental shares from assumed conversion of stock-based compensation awards73,515 25,750 
Weighted average shares outstanding - Diluted14,319,781 14,238,992 
Basic EPS$2.89 $2.29 
Diluted EPS$2.87 $2.29 
Stock-based compensation awards representing approximately 13,151 and 39,266 common shares during the six months ended June 30, 2025 and 2024, respectively were not included in the computations of diluted earnings per common share because the effect on those periods would have been anti-dilutive.
v3.25.2
Other Comprehensive Income (Loss)
 6 Months Ended
Jun. 30, 2025
Stockholders' Equity Note [Abstract]  
Other Comprehensive Income (Loss) Other Comprehensive Income (Loss)
The following tables present reclassifications out of accumulated other comprehensive income (loss) for the three and six month periods ended June 30, 2025 and 2024:
Three Months Ended June 30, 2025
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized (loss) gain during the period$9,392 $(2,348)$7,044 
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income (loss)0 0 0 
Net unrealized gains9,392 (2,348)7,044 
Employee benefit plans:
Amortization of net retirement plan actuarial gain (loss)19 (5)14 
Amortization of net retirement plan prior service cost49 (12)37 
Employee benefit plans68 (17)51 
Other comprehensive income$9,460 $(2,365)$7,095 
Three Months Ended June 30, 2024
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized (loss) gain during the period$(1,391)$340 $(1,051)
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income (loss)0 0 0 
Net unrealized losses(1,391)340 (1,051)
Employee benefit plans:
Amortization of net retirement plan actuarial gain (loss)215 (53)162 
Amortization of net retirement plan prior service cost47 (12)35 
Employee benefit plans262 (65)197 
Other comprehensive (loss)$(1,129)$275 $(854)
Six Months Ended June 30, 2025
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period$30,881 $(7,720)$23,161 
Reclassification adjustment for net realized gains on sale of available-for-sale debt securities included in net income0 0 0 
Net unrealized losses30,881 (7,720)23,161 
Employee benefit plans:
Amortization of net retirement plan actuarial loss190 (48)142 
Amortization of net retirement plan prior service cost98 (24)74 
Employee benefit plans288 (72)216 
Other comprehensive income$31,169 $(7,792)$23,377 
Six Months Ended June 30, 2024
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period$(14,675)$3,596 $(11,079)
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income0 0 0 
Net unrealized gains/losses(14,675)3,596 (11,079)
Employee benefit plans:
Amortization of net retirement plan actuarial loss457 (112)345 
Amortization of net retirement plan prior service cost92 (23)69 
Employee benefit plans549 (135)414 
Other comprehensive (loss)$(14,126)$3,461 $(10,665)
The following table presents the activity in our accumulated other comprehensive (loss) income for the periods indicated:
(In thousands)Available-for-
Sale Debt Securities		Employee
Benefit Plans		Accumulated
Other
Comprehensive
(Loss) Income
Balance at April 1, 2025$(85,577)$(16,633)$(102,210)
Other comprehensive income before reclassifications7,044 0 7,044 
Amounts reclassified from accumulated other comprehensive (loss) income0 51 51 
Net current-period other comprehensive income7,044 51 7,095 
Balance at June 30, 2025$(78,533)$(16,582)$(95,115)
Balance at January 1, 2025$(101,694)$(16,798)$(118,492)
Other comprehensive income before reclassifications23,161 0 23,161 
Amounts reclassified from accumulated other comprehensive (loss) income0 216 216 
Net current-period other comprehensive income23,161 216 23,377 
Balance at June 30, 2025$(78,533)$(16,582)$(95,115)
(In thousands)Available-for-
Sale Debt Securities		Employee
Benefit Plans		Accumulated
Other
Comprehensive
(Loss) Income
Balance at April 1, 2024$(109,563)$(25,253)$(134,816)
Other comprehensive loss before reclassifications(1,051)0 (1,051)
Amounts reclassified from accumulated other comprehensive (loss) income0 197 197 
Net current-period other comprehensive (loss) income(1,051)197 (854)
Balance at June 30, 2024$(110,614)$(25,056)$(135,670)
Balance at January 1, 2024$(99,535)$(25,470)$(125,005)
Other comprehensive loss before reclassifications(11,079)0 (11,079)
Amounts reclassified from accumulated other comprehensive (loss) income0 414 414 
Net current-period other comprehensive income (loss)(11,079)414 (10,665)
Balance at June 30, 2024$(110,614)$(25,056)$(135,670)
The following tables present the amounts reclassified out of each component of accumulated other comprehensive (loss) income for the three and six months ended June 30, 2025 and 2024:
Three Months Ended June 30, 2025
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount
Reclassified from
Accumulated
Other
Comprehensive
(Loss) Income1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net gain (loss) on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(19)Other operating expense
Net retirement plan prior service cost(49)Other operating expense
(68)Total before tax
17 Income tax expense
$(51)Net of tax
Three Months Ended June 30, 2024
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount
Reclassified from
Accumulated
Other
Comprehensive
(Loss) Income1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net loss on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(215)Other operating expense
Net retirement plan prior service cost(47)Other operating expense
(262)Total before tax
65 Income tax expense
$(197)Net of tax
Six Months Ended June 30, 2025
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount Reclassified from Accumulated Other Comprehensive (Loss)1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net gain (loss) on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(190)Other operating expense
Net retirement plan prior service cost(98)Other operating expense
(288)Total before tax
72 Income tax expense
$(216)Net of tax
Six Months Ended June 30, 2024
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount Reclassified from Accumulated Other Comprehensive (Loss)1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net loss on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(457)Other operating expense
Net retirement plan prior service cost(92)Other operating expense
(549)Total before tax
135 Tax benefit
$(414)Net of tax
1 Amounts in parentheses indicate debits in income statement.
2 The accumulated other comprehensive (loss) income components are included in the computation of net periodic benefit cost (See Note 10 - "Employee Benefit Plans" in the Company's Annual Report on Form 10-K for the year ended December 31, 2024).
v3.25.2
Financial Guarantees
 6 Months Ended
Jun. 30, 2025
Guarantees [Abstract]  
Financial Guarantees Financial Guarantees
The Company currently does not issue any guarantees that would require liability recognition or disclosure, other than standby letters of credit. The Company extends standby letters of credit to its customers in the normal course of business. The standby letters of credit are generally short-term. As of June 30, 2025, the Company’s maximum potential obligation under standby letters of credit was $35.4 million compared to $38.5 million at December 31, 2024. Management uses the same credit policies to extend standby letters of credit that it uses for on-balance sheet lending decisions and may require collateral to support standby letters of credit based upon its evaluation of the counterparty. Management does not anticipate any significant losses as a result of these transactions, and has determined that the fair value of standby letters of credit is not significant.
v3.25.2
Segment and Related Information
 6 Months Ended
Jun. 30, 2025
Segment Reporting [Abstract]  
Segment and Related Information Segment and Related Information
The Company manages its operations through three reportable business segments in accordance with the standards set forth in FASB ASC 280, "Segment Reporting": (i) banking ("Banking"), (ii) insurance ("Tompkins Insurance") and (iii) wealth management ("Tompkins Financial Advisors"). The Company’s insurance services and wealth management services, other than trust services, are managed separately from the Banking segment.
Banking
Tompkins Community Bank has 12 banking offices located in Ithaca, NY and surrounding communities; 14 banking offices located in the Genesee Valley region of New York State, which includes Monroe County; 12 banking offices located in the counties north of New York City; and 16 banking offices headquartered and operating in southeastern Pennsylvania.
Insurance
The Company provides property and casualty insurance services and employee benefits consulting through Tompkins Insurance Agencies, Inc., a 100% wholly-owned subsidiary of the Company, headquartered in Batavia, New York. Tompkins Insurance is an independent insurance agency, representing many major insurance carriers, and provides employee benefit consulting to employers in Western and Central New York and Southeastern Pennsylvania, assisting them with their medical, group life insurance and group disability insurance. Tompkins Insurance has four stand-alone offices in Western New York.
Wealth Management
The wealth management segment is generally organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a comprehensive suite of financial services to customers, including trust and estate services, investment management and financial and insurance planning for individuals, corporate executives, small business owners and high net worth individuals. Tompkins Financial Advisors has offices in each of the Company’s regional markets.
Chief Operating Decision Maker
Our Chief Executive Officer ("CEO") is our chief operating decision maker. In order to allocate costs, capital and resources to each operating segment, we (i) identify the cost or opportunity value of funds within each business segment, (ii) measure the profitability of a particular business segment by relating appropriate costs to revenues, (iii) evaluate each business segment in a manner consistent with its economic impact on consolidated earnings, and (iv) enhance asset and liability pricing decisions. Our CEO reviews actual net income versus budgeted net income on a monthly basis to assess segment performance and to make decisions about allocating capital and personnel among the segments.

Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following tables. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking, insurance, and wealth management services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by the bank and the holding company. All other accounting policies are the same as those described in the summary of significant accounting policies in the Company's Annual Report on Form 10-K for the year ended December 31, 2024.
Three Months Ended June 30, 2025
(In thousands)BankingInsuranceWealth ManagementIntercompanyConsolidated
Interest income$93,646 $1 $0 $(1)$93,646 
Interest expense33,517 0 0 (1)33,516 
Net interest income60,129 1 0 0 60,130 
Provision for credit loss expense2,780 0 0 0 2,780 
Noninterest income7,617 9,901 5,541 (547)22,512 
Noninterest expense40,441 7,729 4,000 (547)51,623 
Income before income tax expense24,525 2,173 1,541 0 28,239 
Income tax expense5,831 552 385 0 6,768 
Net Income attributable to Tompkins Financial Corporation$18,694 $1,621 $1,156 $0 $21,471 
Depreciation and amortization$1,978 $36 $44 $0 $2,058 
Assets8,319,441 49,305 29,087 (24,015)8,373,818 
Goodwill64,525 19,867 8,211 (1)92,602 
Other intangibles, net1,367 854 16 0 2,237 
Net loans and leases6,114,099 0 0 0 6,114,099 
Deposits6,734,658 0 0 (18,863)6,715,795 
Total Equity701,907 33,248 26,638 0 761,793 
Three Months Ended June 30, 2024
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$85,240 $1 $0 $(1)$85,240 
Interest expense34,288 0 0 (1)34,287 
Net interest income50,952 1 0 0 50,953 
Provision for credit loss expense2,172 0 0 0 2,172 
Noninterest income7,822 9,220 5,261 (527)21,776 
Noninterest expense39,662 7,086 3,721 (527)49,942 
Income before income tax expense16,940 2,135 1,540 0 20,615 
Income tax expense3,938 582 382 0 4,902 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation13,002 1,553 1,158 0 15,713 
Less: Net income attributable to noncontrolling interests31 0 0 0 31 
Net Income attributable to Tompkins Financial Corporation$12,971 $1,553 $1,158 $0 $15,682 
Depreciation and amortization$2,522 $41 $41 $0 $2,604 
Assets7,810,792 48,840 29,404 (19,514)7,869,522 
Goodwill64,525 19,866 8,211 0 92,602 
Other intangibles, net978 1,186 29 0 2,193 
Net loans and leases5,708,805 0 0 0 5,708,805 
Deposits6,312,911 0 0 (27,015)6,285,896 
Total Equity605,109 37,055 33,929 0 676,093 
Six Months Ended June 30, 2025
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$183,108 $1 $0 $(1)$183,108 
Interest expense66,317 0 0 (1)66,316 
Net interest income116,791 1 0 0 116,792 
Provision for credit loss expense8,067 0 0 0 8,067 
Noninterest income16,263 21,604 10,754 (1,077)47,544 
Noninterest expense80,136 15,054 8,117 (1,077)102,230 
Income before income tax expense44,851 6,551 2,637 0 54,039 
Income tax expense10,473 1,757 659 0 12,889 
Net Income attributable to Tompkins Financial Corporation$34,378 $4,794 $1,978 $0 $41,150 
Depreciation and amortization$4,084 $82 $87 $0 $4,253 
Six Months Ended June 30, 2024
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$168,423 $2 $0 $(2)$168,423 
Interest expense66,797 0 0 (2)66,795 
Net interest income101,626 2 0 0 101,628 
Provision for credit loss expense3,026 0 0 0 3,026 
Noninterest income14,933 19,746 10,300 (1,066)43,913 
Noninterest expense79,025 14,313 7,527 (1,066)99,799 
Income before income tax expense34,508 5,435 2,773 0 42,716 
Income tax expense7,924 1,489 687 0 10,100 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation26,584 3,946 2,086 0 32,616 
Less: Net income attributable to noncontrolling interests62 0 0 0 62 
Net Income attributable to Tompkins Financial Corporation$26,522 $3,946 $2,086 $0 $32,554 
Depreciation and amortization$5,444 $84 $82 $0 $5,610 
v3.25.2
Fair Value Measurements
 6 Months Ended
Jun. 30, 2025
Fair Value Disclosures [Abstract]  
Fair Value Measurements Fair Value Measurements
FASB ASC Topic 820, Fair Value Measurements and Disclosures (ASC 820), defines fair value, establishes a framework for measuring fair value in accordance with GAAP and expands disclosures about fair value measurements. ASC 820 also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). Transfers between levels, when determined to be appropriate, are recognized at the end of each reporting period.
The three levels of the fair value hierarchy under ASC 820 are:
Level 1 – Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;
Level 2 – Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability;
Level 3 – Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).
The following tables summarize financial assets and financial liabilities measured at fair value on a recurring basis as of June 30, 2025 and December 31, 2024, segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value:
Recurring Fair Value Measurements
June 30, 2025
(In thousands)Total(Level 1)(Level 2)(Level 3)
Assets
Available-for-sale debt securities
U.S. Treasuries$53,060 $0 $53,060 $0 
Obligations of U.S. Government sponsored entities383,939 0 383,939 0 
Obligations of U.S. states and political subdivisions76,111 0 76,111 0 
Mortgage-backed securities – residential, issued by:
U.S. Government agencies88,724 0 88,724 0 
U.S. Government sponsored entities671,091 0 671,091 0 
U.S. corporate debt securities2,445 0 2,445 0 
Total Available-for-sale debt securities$1,275,370 $0 $1,275,370 $0 
Equity securities, at fair value784 0 0 784 
Derivatives designated as hedging instruments350 0 350 0 
Derivatives not designated as hedging instruments4,554 0 4,554 0 
Liabilities
Derivatives not designated as hedging instruments$5,034 $0 $5,034 $0 
Recurring Fair Value Measurements
December 31, 2024
(In thousands)Total(Level 1)(Level 2)(Level 3)
Assets
Available-for-sale debt securities
U.S. Treasuries$71,497 $0 $71,497 $0 
Obligations of U.S. Government sponsored entities380,280 0 380,280 0 
Obligations of U.S. states and political subdivisions77,694 0 77,694 0 
Mortgage-backed securities – residential, issued by:
U.S. Government agencies63,254 0 63,254 0 
U.S. Government sponsored entities636,360 0 636,360 0 
U.S. corporate debt securities2,447 0 2,447 0 
Total Available-for-sale debt securities$1,231,532 $0 $1,231,532 $0 
Equity securities, at fair value768 0 0 768 
Derivatives designated as hedging instruments864 0 864 0 
Derivatives not designated as hedging instruments1,831 0 1,831 0 
Liabilities
Derivatives not designated as hedging instruments$2,073 $0 $2,073 $0 
Securities: Fair values for U.S. Treasury securities are based on quoted market prices. Fair values for obligations of U.S. government sponsored entities, mortgage-backed securities-residential, obligations of U.S. states and political subdivisions, and U.S. corporate debt securities are based on quoted market prices, where available, as provided by third party pricing vendors. If quoted market prices were not available, fair values are based on quoted market prices of comparable instruments in active markets and/or based upon a matrix pricing methodology, which uses comprehensive interest rate tables to determine market price, movement and yield relationships. These securities are reviewed periodically to determine if there are any events or changes in circumstances that would adversely affect their value.
The change in the fair value of equity securities valued using significant unobservable inputs (Level 3), for the periods ended June 30, 2025 and December 31, 2024, was immaterial.
There were no transfers between Levels 1, 2 and 3 for the six months ended June 30, 2025.
The Company determines fair value for its available-for-sale debt securities using an independent bond pricing service for identical assets or very similar securities. The Company determines fair value for its equity securities based on the underlying equity fund’s pricing and valuation procedures which consider recent sales price, market quotations from a pricing service, or market quotes from an independent broker-dealer. The Company has reviewed the pricing sources, including methodologies used, and finds them to be fairly stated.
Derivatives: The Company has contracted with a third party vendor to provide periodic valuations for its interest rate derivatives to determine the fair value of its interest rate contracts. The vendor utilizes standard valuation methodologies applicable to interest rate derivatives such as discounted cash flow analysis. Such valuations are based upon readily observable market data and are therefore considered Level 2 valuations by the Company.
Certain assets are measured at fair value on a nonrecurring basis. For the Company, these include loans held for sale, individually evaluated loans, and OREO. For the three and six months ended June 30, 2025, certain individually evaluated loans were remeasured and reported at fair value through a specific valuation allowance and/or partial charge-offs for credit losses based upon the fair value of the underlying collateral. Collateral values are estimated using Level 3 inputs based upon customized discounting criteria. In addition to collateral dependent evaluated loans, certain other real estate owned was remeasured and reported at fair value based upon the fair value of the underlying collateral. The fair values of other real estate owned are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. In general, the fair values of other real estate owned are based upon appraisals, with discounts made to reflect estimated costs to sell the real estate. Upon initial recognition, fair value write-downs are taken through a charge-off to the allowance for credit losses. Subsequent fair value write-downs on other real estate owned are reported in other noninterest expense.
Three months ended June 30, 2025
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2025Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Three months ended 06/30/2025
Individually evaluated loans$0 $0 $0 $0 $(4,711)
Three months ended June 30, 2024
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2024Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Three months ended 06/30/2024
Individually evaluated loans$2,254 $0 $0 $2,254 $0 
Other real estate owned$80 $0 $0 $80 $0 
Six months ended June 30, 2025
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2025Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Six months ended 06/30/2025
Individually evaluated loans$29,914 $0 $0 $29,914 $(4,711)
Other real estate owned0 0 0 0 1,898 
Six months ended June 30, 2024
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2024Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Six months ended 06/30/2024
Individually evaluated loans$3,501 $0 $0 $3,501 $0 
Other real estate owned80 0 0 80 43 
The fair value estimates, methods and assumptions set forth below for the Company's financial instruments, including those financial instruments carried at cost, are made solely to comply with disclosures required by GAAP and should be read in conjunction with the financial statements and notes included in this Report.
For loans where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. For real estate loans, fair value of the loan’s collateral is determined by third party appraisals, which are then adjusted for the estimated selling and closing costs related to liquidation of the collateral. For this asset class, the actual valuation methods (income, sales comparable, or cost) vary based on the status of the project or property. For example, land is generally based on the sales comparable method while construction is based on the income and/or sales comparable methods. The unobservable inputs may vary depending on the individual assets with no one of the three methods being the predominant approach. The Company reviews the third party appraisal for appropriateness and adjusts the value downward to consider selling and closing costs, which typically range from 5% to 8% of the appraised value. For non-real estate loans, fair value of the loan’s collateral may be determined using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business.
The following tables present the carrying amounts and estimated fair values of the Company’s financial instruments at June 30, 2025 and December 31, 2024. The carrying amounts shown in the tables are included in the Consolidated Statements of Condition under the indicated captions.
Estimated Fair Value of Financial Instruments
June 30, 2025
(In thousands)Carrying
Amount		Fair Value(Level 1)(Level 2)(Level 3)
Financial Assets:
Cash and cash equivalents$212,551 $212,551 $212,551 $0 $0 
Securities - held-to-maturity312,493 278,948 0 278,948 0 
FHLB stock and other stock37,129 37,129 0 37,129 0 
Accrued interest receivable30,604 30,604 0 30,604 0 
Loans/leases, net1
6,114,099 5,810,384 0 0 5,810,384 
Financial Liabilities:
Time deposits$1,225,941 $1,221,919 $0 $1,221,919 $0 
Other deposits5,489,854 5,489,854 0 5,489,854 0 
Fed funds purchased and securities sold
under agreements to repurchase127,111 127,111 0 127,111 0 
Other borrowings672,696 673,303 0 673,303 0 
Accrued interest payable5,241 5,241 0 5,241 0 
Estimated Fair Value of Financial Instruments
December 31, 2024
(In thousands)Carrying
Amount		Fair Value(Level 1)(Level 2)(Level 3)
Financial Assets:
Cash and cash equivalents$134,398 $134,398 $134,398 $0 $0 
Securities - held-to-maturity312,462 267,295 0 267,295 0 
FHLB stock and other stock42,255 42,255 0 42,255 0 
Accrued interest receivable28,823 28,823 0 28,823 0 
Loans/leases, net1
5,963,426 5,584,661 0 0 5,584,661 
Financial Liabilities:
Time deposits$1,068,375 $1,064,548 $0 $1,064,548 $0 
Other deposits5,403,430 5,403,430 0 5,403,430 0 
Fed funds purchased and securities sold
under agreements to repurchase37,036 37,036 0 37,036 0 
Other borrowings790,247 789,915 0 789,915 0 
Accrued interest payable4,854 4,854 0 4,854 0 
1 Lease receivables, although excluded from the scope of ASC Topic 825, are included in the estimated fair value amounts at their carrying value.
The following methods and assumptions were used in estimating fair value disclosures for financial instruments:
Cash and Cash Equivalents: The carrying amounts reported in the Consolidated Statements of Condition for cash, noninterest-bearing deposits, money market funds, and Federal funds sold approximate the fair value of those assets.
Securities - Held-to-Maturity: Fair values for U.S. Treasury securities are based on quoted market prices. Fair values for obligations of U.S. government sponsored entities and mortgage-backed securities-residential are based on quoted market prices, where available, as provided by third party pricing vendors. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments in active markets and/or based upon a matrix pricing methodology, which uses comprehensive interest rate tables to determine market price, movement and yield relationships. These securities are reviewed periodically to determine if there are any events or changes in circumstances that would adversely affect their value.
FHLB Stock and Other Stock: The carrying amount of FHLB stock approximates fair value. If the stock is redeemed, the Company will receive an amount equal to the par value of the stock. For miscellaneous equity securities, carrying value is cost.
Loans and Leases: Fair value for loans is calculated using an exit price notion. The Company's valuation methodology takes into account factors such as estimated cash flows, including contractual cash flow and assumptions for prepayments; liquidity risk; and credit risk. The fair values of residential loans were estimated using discounted cash flow analyses, based upon available market benchmarks for rates and prepayment assumptions. The fair values of commercial and consumer loans were estimated using discounted cash flow analyses, based upon interest rates currently offered for loans and leases with similar terms and credit quality. The fair values of loans held for sale were determined based upon contractual prices for loans with similar characteristics.
Accrued Interest Receivable and Accrued Interest Payable: The carrying amount of these short term instruments approximates fair value.
Deposits: The fair values disclosed for noninterest bearing accounts and accounts with no stated maturities are equal to the amount payable on demand at the reporting date. The fair value of time deposits is based upon discounted cash flow analyses using rates offered for FHLB advances, which is the Company’s primary alternative source of funds.
Fed Funds Purchased and Securities Sold Under Agreements to Repurchase: The carrying amount of these instruments approximates fair value because the instruments have short-term maturities.
Other borrowings: The fair value of other borrowings is based upon discounted cash flow analyses using current rates offered for FHLB advances, with similar terms.
v3.25.2
Derivatives and Hedging Activities
 6 Months Ended
Jun. 30, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Derivatives and Hedging Activities Derivatives and Hedging Activities
Risk Management Objective of Using Derivatives
The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company also enters into interest rate derivatives to accommodate the business requirements of certain qualifying customers. All derivatives are recognized as other assets or other liabilities on the Company's Consolidated Statements of Condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and resulting designation.
Derivatives Designated as Hedging Instruments
Fair Value Hedges of Interest Rate Risk
The Company is exposed to changes in the fair value of certain of its fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. Interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. As of June 30, 2025, the Company had interest rate swaps with a total notional amount of $100.0 million hedging fixed-rate residential mortgage loans.
For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.
As of June 30, 2025 and December 31, 2024, the following amounts were recorded on the balance sheet related to cumulative basis adjustment for fair value hedges.
Line Item in the Statement of Financial Position in Which the Hedged Item is IncludedCarrying Amount of the Hedged Assets/(Liabilities)Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) Carrying Amount of the Hedged Assets/(Liabilities)Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)
06/30/202506/30/202512/31/202412/31/2024
Fixed Rate Loans1
$99,672$(328)$149,175$(825)
Total$99,672$(328)$149,175$(825)
1 These amounts include the amortized cost basis of closed portfolios of fixed rate loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At June 30, 2025 and December 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $688.3 million and $711.0 million respectively; the cumulative basis adjustments associated with these hedging relationships was $328,000 and $825,000, respectively; and the amounts of the designated hedged items were $100.0 million and $150.0 million, $50.0 million of designated hedged items matured in the six-month period ending June 30, 2025.
Derivatives Not Designated as Hedging Instruments
The Company enters into interest rate swaps to help commercial loan borrowers manage their interest rate risk. These interest rate swap contracts allow borrowers to convert variable-rate loan payments to fixed-rate loan payments. When the Company enters into an interest rate derivative contract with a commercial loan borrower, it simultaneously enters into a “mirror” interest rate contract with a third party. For interest rate swaps, the third party exchanges the client’s fixed-rate loan payments for variable-rate loan payments. The Company's credit policies with respect to interest rate contracts with commercial borrowers are similar to those used for loans. The Company retains the risk that is associated with the potential failure of counterparties and the risk inherent in originating loans. The interest rate contracts with counterparties are generally subject to bilateral collateralization terms. These derivatives are not designated as hedges and therefore, changes in fair value are recognized in earnings.
The Company has entered into risk participation agreements with other banks in commercial loan arrangements. Participating banks guarantee the performance on borrower-related interest rate swap contracts. These derivatives are not designated as hedges and therefore, changes in fair value are recognized in earnings.
Under a risk participation-out agreement, a derivative asset, the Company participates out a portion of the credit risk associated with the interest rate swap position executed with the commercial borrower for a fee paid to the participating bank. Under a risk participation-in agreement, a derivative liability, the Company assumes, or participates in, a portion of the credit risk associated with the interest rate swap position with the commercial borrower for a fee received from the other bank.
Tabular Disclosure of Fair Values of Derivative Instruments on the Consolidated Statements of Condition
The tables below present the fair value of the Company’s derivative financial instruments as well as their classification on the consolidated statements of condition as of June 30, 2025 and December 31, 2024. Amounts below are presented on a net basis in accordance with applicable accounting guidance.
Derivative Assets
June 30, 2025
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives designated as hedging instruments
Interest Rate Products$100,000  Other Assets $350 
Total derivatives designated as hedging instruments$350 
Derivatives not designated as hedging instruments
Interest Rate Products$193,867 Other Assets$4,554 
Risk Participation Agreement0 Other Assets0 
Total derivatives not designated as hedging instruments$4,554 
Derivative Assets
December 31, 2024
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives designated as hedging instruments
Interest Rate Products$150,000  Other Assets $864 
Total derivatives designated as hedging instruments$864 
Derivatives not designated as hedging instruments
Interest Rate Products$175,865  Other Assets $1,831 
Risk Participation Agreement0  Other Assets 0 
Total derivatives not designated as hedging instruments$1,831 
 Derivative Liabilities
June 30, 2025
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives not designated as hedging instruments
Interest Rate Products$193,867 Other Liabilities$4,906 
Risk Participation Agreement61,227 Other Liabilities128 
Total derivatives not designated as hedging instruments $5,034 
 Derivative Liabilities
December 31, 2024
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives not designated as hedging instruments
Interest Rate Products$178,646 Other Liabilities$1,990 
Risk Participation Agreement44,387 Other Liabilities83 
Total derivatives not designated as hedging instruments $2,073 
Tabular Disclosure of the Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
The tables below present the effect of the Company’s derivative financial instruments on the consolidated statements of income for the three and six months ended June 30, 2025 and 2024:
The Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
Location of Gain or (Loss) Recognized in Income on Derivative
Three Months Ended
06/30/202506/30/2024
(In thousands)Interest Income
Total amounts of income and expense line items presented in the statement of financial performance in which the effects of fair value or cash flow hedges are recorded$247 $673 
The effects of fair value and cash flow hedging:
Gain or (loss) on fair value hedging relationships in Subtopic 815-20
Interest contracts
Hedged items158 153 
Derivatives designated as hedging instruments89 520 
The Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
Location of Gain or (Loss) Recognized in Income on Derivative
Six Months Ended
06/30/202506/30/2024
(In thousands)Interest Income
Total amounts of income and expense line items presented in the statement of financial performance in which the effects of fair value or cash flow hedges are recorded$540 $1,335 
The effects of fair value and cash flow hedging:
Gain or (loss) on fair value hedging relationships in Subtopic 815-20
Interest contracts
Hedged items498 (1,013)
Derivatives designated as hedging instruments42 2,348 
Tabular Disclosure of the Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
The tables below present the effect of the Company’s derivative financial instruments that are not designated as hedging instruments on the consolidated statements of income for the three and six months ended June 30, 2025 and 2024:
Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on Derivative
Three Months Ended
(In thousands)06/30/202506/30/2024
Interest Rate ProductsOther Income$(82)$0 
Risk Participation AgreementOther Income9 6 
Total$(73)$6 
Fee Income Other income $228 $144 
Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on Derivative
Six Months Ended
(In thousands)06/30/202506/30/2024
Interest Rate ProductsOther Income$(194)$37 
Risk Participation AgreementOther Income34 78 
Total$(160)$115 
Fee IncomeOther income $257 $383 
Credit-risk-related Contingent Features
Applicable for OTC derivatives with dealers
The Company has agreements with each of its derivative counterparties that contain a provision where if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations.
As of June 30, 2025 and December 31, 2024, the fair value of derivatives in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk, related to these agreements was $4.9 million and $1.3 million, respectively. As of June 30, 2025 and December 31, 2024, the Company had posted $4.5 million and $260,000, respectively, in collateral related to these agreements. The interest rate hedge counterparty had posted $0 and $890,000 of collateral in proportion to potential losses in the derivative position at June 30, 2025 and December 31, 2024, respectively.
v3.25.2
Pay vs Performance Disclosure - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Pay vs Performance Disclosure        
Net income attributable to Tompkins Financial Corporation $ 21,471 $ 15,682 $ 41,150 $ 32,554
v3.25.2
Insider Trading Arrangements
 3 Months Ended
Jun. 30, 2025
Trading Arrangements, by Individual  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.25.2
Basis of Presentation (Policies)
 6 Months Ended
Jun. 30, 2025
Accounting Policies [Abstract]  
Basis of Presentation
The unaudited consolidated financial statements included in this quarterly report do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles ("GAAP") for a full year presentation and certain disclosures have been condensed or omitted in accordance with rules and regulations of the SEC. In the application of certain accounting policies, management is required to make assumptions regarding the effect of matters that are inherently uncertain. These estimates and assumptions affect the reported amounts of certain assets, liabilities, revenues, and expenses in the unaudited consolidated financial statements. Different amounts could be reported under different conditions, or if different assumptions were used in the application of these accounting policies. The accounting policy that management considers critical in this respect is the determination of the allowance for credit losses.
Consolidation
The unaudited consolidated financial statements included in this quarterly report do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles ("GAAP") for a full year presentation and certain disclosures have been condensed or omitted in accordance with rules and regulations of the SEC. In the application of certain accounting policies, management is required to make assumptions regarding the effect of matters that are inherently uncertain. These estimates and assumptions affect the reported amounts of certain assets, liabilities, revenues, and expenses in the unaudited consolidated financial statements. Different amounts could be reported under different conditions, or if different assumptions were used in the application of these accounting policies. The accounting policy that management considers critical in this respect is the determination of the allowance for credit losses.
Newly Adopted Accounting Standards and Accounting Standards Pending Adoption
Newly Adopted Accounting Standards
ASU No. 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures." The amendments in this update improve financial reporting by requiring disclosure of incremental segment information on an annual and interim basis. The amendments in this ASU are effective for the Company for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Adoption did not have a significant effect on our financial statements or disclosures.

ASU No. 2024-02, "Codification Improvements," removes all references to FASB Concepts Statements from the FASB Accounting Standards Codification to simplify the Codification. The amendments in this ASU are effective for the Company for fiscal years beginning after December 15, 2024, including interim periods within those fiscal years. Adoption did not have a significant effect on our financial statements or disclosures.
Accounting Standards Pending Adoption
ASU No. 2023-06, "Disclosure Improvements," amends the disclosure or presentation requirements related to various subtopics in the FASB Accounting Standards Codification. The new guidance is intended to align GAAP requirements with those of the SEC. The ASU will become effective for each amendment on the earlier of the date on which the SEC's removal of its related disclosure requirement from Regulation S-X or Regulation S-K becomes effective, or June 30, 2027. Early adoption is prohibited. Adoption of ASU 2023 - 06 is not expected to have a material impact on our consolidated financial statements.
ASU No. 2023-09, "Income Taxes (Topic 740) - Improvements to Income Tax Disclosures." The amendments in this update relate to the rate reconciliation and income taxes paid disclosures to improve the transparency of income tax disclosures by requiring (1) consistent categories and greater disaggregation of information in the rate reconciliation and (2) income taxes paid disaggregated by jurisdiction. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Tompkins is currently evaluating the potential impact of ASU 2023-09 on our consolidated financial statements.
ASU No. 2024-03, "Disaggregation of Income Statement Expenses," requires new financial statement disclosures in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense captions, including employee compensation, depreciation, and intangible asset amortization. Tompkins is required to adopt this ASU prospectively for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption and retrospective application are permitted.
The Company reviews new accounting standards as issued. Management has not identified any other new standards that it believes will have a significant impact on the Company’s financial statements.
v3.25.2
Securities (Tables)
 6 Months Ended
Jun. 30, 2025
Investments, Debt and Equity Securities [Abstract]  
Schedule of available-for-sale securities
The following tables summarize available-for-sale debt securities held by the Company at June 30, 2025 and December 31, 2024:
June 30, 2025Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$55,318 $229 $2,487 $53,060 
Obligations of U.S. Government sponsored entities393,391 5,105 14,557 383,939 
Obligations of U.S. states and political subdivisions83,446 6 7,341 76,111 
Mortgage-backed securities – residential, issued by
 U.S. Government agencies93,039 58 4,373 88,724 
 U.S. Government sponsored entities752,386 3,754 85,049 671,091 
U.S. corporate debt securities2,500 0 55 2,445 
Total available-for-sale debt securities$1,380,080 $9,152 $113,862 $1,275,370 
December 31, 2024Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$75,141 $140 $3,784 $71,497 
Obligations of U.S. Government sponsored entities398,648 2,008 20,376 380,280 
Obligations of U.S. states and political subdivisions86,328 4 8,638 77,694 
Mortgage-backed securities – residential, issued by
U.S. Government agencies68,130 3 4,879 63,254 
U.S. Government sponsored entities736,376 1,680 101,696 636,360 
U.S. corporate debt securities2,500 0 53 2,447 
Total available-for-sale debt securities$1,367,123 $3,835 $139,426 $1,231,532 
Schedule of held-to-maturity securities
The following tables summarize held-to-maturity debt securities held by the Company at June 30, 2025 and December 31, 2024:
June 30, 2025Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$85,938 $0 $8,333 $77,605 
Obligations of U.S. Government sponsored entities226,555 0 25,212 201,343 
Total held-to-maturity debt securities$312,493 $0 $33,545 $278,948 
December 31, 2024Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
(In thousands)
U.S. Treasuries$86,049 $0 $11,361 $74,688 
Obligations of U.S. Government sponsored entities226,413 0 33,806 192,607 
Total held-to-maturity debt securities$312,462 $0 $45,167 $267,295 
The following table summarizes held-to-maturity debt securities that had unrealized losses at June 30, 2025 and December 31, 2024:
June 30, 2025Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $77,605 $8,333 $77,605 $8,333 
Obligations of U.S. Government sponsored entities0 0 201,343 25,212 201,343 25,212 
Total held-to-maturity debt securities$0 $0 $278,948 $33,545 $278,948 $33,545 
December 31, 2024Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $74,688 $11,361 $74,688 $11,361 
Obligations of U.S. Government sponsored entities0 0 192,607 33,806 192,607 33,806 
Total held-to-maturity debt securities$0 $0 $267,295 $45,167 $267,295 $45,167 
Schedule of available-for-sale securities with unrealized losses
The following table summarizes available-for-sale debt securities that had unrealized losses at June 30, 2025, and December 31, 2024:
June 30, 2025Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $38,350 $2,487 $38,350 $2,487 
Obligations of U.S. Government sponsored entities9,494 84 158,738 14,473 168,232 14,557 
Obligations of U.S. states and political subdivisions3,530 8 71,284 7,334 74,814 7,342 
Mortgage-backed securities – residential, issued by
U.S. Government agencies44,762 258 32,451 4,114 77,213 4,372 
U.S. Government sponsored entities29,446 335 497,332 84,714 526,778 85,049 
U.S. corporate debt securities0 0 2,445 55 2,445 55 
Total available-for-sale debt securities$87,232 $685 $800,600 $113,177 $887,832 $113,862 
December 31, 2024Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasuries$0 $0 $57,019 $3,784 $57,019 $3,784 
Obligations of U.S. Government sponsored entities14,085 515 188,296 19,861 202,381 20,376 
Obligations of U.S. states and political subdivisions3,159 36 73,657 8,602 76,816 8,638 
Mortgage-backed securities – residential, issued by
U.S. Government agencies27,0828935,8794,79062,9614,879
U.S. Government sponsored entities32,063502523,353101,194555,416101,696
U.S. corporate debt securities0 0 2,447 53 2,447 53 
Total available-for-sale debt securities$76,389 $1,142 $880,651 $138,284 $957,040 $139,426 
Schedule of available-for-sale and held-to-maturity securities amortized cost and estimated fair value
June 30, 2025
(In thousands)Amortized CostFair Value
Available-for-sale debt securities:
Due in one year or less$80,231 $80,115 
Due after one year through five years222,856 215,331 
Due after five years through ten years229,246 218,289 
Due after ten years2,322 1,820 
Total534,655 515,555 
Mortgage-backed securities845,425 759,815 
Total available-for-sale debt securities$1,380,080 $1,275,370 
December 31, 2024
(In thousands)Amortized CostFair Value
Available-for-sale debt securities:
Due in one year or less$100,000 $99,153 
Due after one year through five years227,502 215,976 
Due after five years through ten years212,789 199,457 
Due after ten years22,326 17,332 
Total562,617 531,918 
Mortgage-backed securities804,506 699,614 
Total available-for-sale debt securities$1,367,123 $1,231,532 
June 30, 2025
(In thousands)Amortized CostFair Value
Held-to-maturity debt securities:
Due after one year through five years$117,046 $105,822 
Due after five years through ten years195,447 173,126 
Total held-to-maturity debt securities$312,493 $278,948 
December 31, 2024
(In thousands)Amortized CostFair Value
Held-to-maturity debt securities:
Due after one year through five years$117,283 $102,173 
Due after five years through ten years$195,179 $165,122 
Total held-to-maturity debt securities$312,462 $267,295 
v3.25.2
Loans and Leases (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of loans and leases
Loans and leases at June 30, 2025 and December 31, 2024 were as follows:
(In thousands)06/30/202512/31/2024
Commercial and industrial
Agriculture$97,133 $110,007 
Commercial and industrial other909,954 855,568 
Subtotal commercial and industrial1,007,087 965,575 
Commercial real estate
Construction345,416 385,931 
Agriculture225,418 217,582 
Commercial real estate other2,929,747 2,776,304 
Subtotal commercial real estate3,500,581 3,379,817 
Residential real estate
Home equity213,579 204,194 
Mortgages1,356,987 1,366,646 
Subtotal residential real estate1,570,566 1,570,840 
Consumer and other
Indirect113 229 
Consumer and other87,723 96,163 
Subtotal consumer and other87,836 96,392 
Leases11,001 12,484 
Total loans and leases6,177,071 6,025,108 
Less: unearned income and deferred costs and fees(4,417)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,172,654 $6,019,922 
Schedule of age analysis of past due loans
The below tables are an age analysis of past due loans, segregated by class of loans, as of June 30, 2025 and December 31, 2024:
June 30, 2025
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $97,133 $97,133
Commercial and industrial other181 971 2,202 3,354 906,600 909,954 
Subtotal commercial and industrial181 971 2,202 3,354 1,003,733 1,007,087 
Commercial real estate
Construction0 0 17,302 17,302 328,114 345,416
Agriculture38 0 0 38 225,380 225,418
Commercial real estate other1,567 767 12,454 14,788 2,914,959 2,929,747
Subtotal commercial real estate1,605 767 29,756 32,128 3,468,453 3,500,581 
Residential real estate
Home equity358 30 2,328 2,716 210,863 213,579
Mortgages0 1,256 9,956 11,212 1,345,775 1,356,987
Subtotal residential real estate358 1,286 12,284 13,928 1,556,638 1,570,566 
Consumer and other
Indirect1 0 3 4 109 113
Consumer and other337 351 179 867 86,856 87,723
Subtotal consumer and other338 351 182 871 86,965 87,836 
Leases0 0 0 0 11,001 11,001 
Total loans and leases2,482 3,375 44,424 50,281 6,126,790 6,177,071 
Less: unearned income and deferred costs and fees0 0 0 0 (4,417)(4,417)
Total loans and leases, net of unearned income and deferred costs and fees$2,482 $3,375 $44,424 $50,281 $6,122,373 $6,172,654 
December 31, 2024
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $110,007 $110,007 
Commercial and industrial other3,944 32 684 4,660 850,908 855,568 
Subtotal commercial and industrial3,944 32 684 4,660 960,915 965,575 
Commercial real estate
Construction1,120 17,400 0 18,520 367,411 385,931 
Agriculture81 0 0 81 217,501 217,582 
Commercial real estate other0 1,605 11,966 13,571 2,762,733 2,776,304 
Subtotal commercial real estate1,201 19,005 11,966 32,172 3,347,645 3,379,817 
Residential real estate
Home equity955 91 1,811 2,857 201,337 204,194 
Mortgages0 2,836 9,257 12,093 1,354,553 1,366,646 
Subtotal residential real estate955 2,927 11,068 14,950 1,555,890 1,570,840 
Consumer and other
Indirect3 2 7 12 217 229 
Consumer and other430 329 354 1,113 95,050 96,163 
Subtotal consumer and other433 331 361 1,125 95,267 96,392 
Leases0 0 0 0 12,484 12,484 
Total loans and leases6,533 22,295 24,079 52,907 5,972,201 6,025,108 
Less: unearned income and deferred costs and fees0 0 0 0 (5,186)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,533 $22,295 $24,079 $52,907 $5,967,015 $6,019,922 
Schedule of loans on nonaccrual status
The following tables present the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans, as of June 30, 2025 and December 31, 2024:
June 30, 2025December 31, 2024
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and AccruingNonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $519 $0 
Commercial and industrial other0 2,570 0 0 1,023 0 
Subtotal commercial and industrial0 2,570 0 0 1,542 0 
Commercial real estate
Construction17,302 17,302 0 0 0 0 
Agriculture0 100 0 0 129 0 
Commercial real estate other8,193 15,278 0 24,179 32,461 0 
Subtotal commercial real estate25,495 32,680 0 24,179 32,590 0 
Residential real estate
Home equity232 2,872 0 610 2,889 0 
Mortgages2,272 14,077 1 1,338 13,389 9 
Subtotal residential real estate2,504 16,949 1 1,948 16,278 9 
Consumer and other
Indirect0 6 0 0 13 0 
Consumer and other0 120 165 0 125 314 
Subtotal consumer and other0 126 165 0 138 314 
Leases0 0 0 0 0 0 
Total loans and leases$27,999 $52,325 $166 $26,127 $50,548 $323 
v3.25.2
Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of allowance for credit losses on loans and liabilities for off-balance sheet credit exposures and amortized cost basis of collateral dependent loans
The following tables detail activity in the allowance for credit losses on loans for the three and six months ended June 30, 2025 and 2024. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
Three Months Ended June 30, 2025
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$8,618 $39,308 $11,542 $1,497 $58 $61,023 
Charge-offs(13)(4,882)0 (518)0 (5,413)
Recoveries9 2 8 140 0 159 
Provision (credit) for credit loss expense546 1,337 515 390 (2)2,786 
Ending Balance$9,160 $35,765 $12,065 $1,509 $56 $58,555 
Three Months Ended June 30, 2024
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$7,586 $31,467 $11,181 $1,396 $74 $51,704 
Charge-offs(30)0 0 (626)0 (656)
Recoveries11 1 5 130 0 147 
Provision (credit) for credit loss expense(155)1,091 383 551 (6)1,864 
Ending Balance$7,412 $32,559 $11,569 $1,451 $68 $53,059 
Six Months Ended June 30, 2025
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$7,684 $35,837 $11,345 $1,568 $62 $56,496 
Charge-offs(198)(4,882)0 (1,297)0 (6,377)
Recoveries51 4 35 300 0 390 
Provision (credit) for credit loss expense1,623 4,806 685 938 (6)8,046 
Ending Balance$9,160 $35,765 $12,065 $1,509 $56 $58,555 
Six Months Ended June 30, 2024
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$6,667 $31,581 $11,700 $1,557 $79 $51,584 
Charge-offs(30)0 0 (1,071)0 (1,101)
Recoveries18 3 125 218 0 364 
Provision (credit) for credit loss expense757 975 (256)747 (11)2,212 
Ending Balance$7,412 $32,559 $11,569 $1,451 $68 $53,059 
The following tables detail activity in the liabilities for off-balance sheet credit exposures for the three and six months ended June 30, 2025 and 2024:
Three Months Ended June 30,
(In thousands)20252024
Liabilities for off-balance sheet credit exposures at beginning of period$1,490 $2,776 
(Credit) provision for credit loss expense related to off-balance sheet credit exposures(6)308 
Liabilities for off-balance sheet credit exposures at end of period$1,484 $3,084 
Six Months Ended June 30,
(In thousands)20252024
Liabilities for off-balance sheet credit exposures at beginning of period$1,463 $2,270 
Provision for credit loss expense related to off-balance sheet credit exposures21 814 
Liabilities for off-balance sheet credit exposures at end of period$1,484 $3,084 
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans, as of June 30, 2025 and December 31, 2024:
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
June 30, 2025
Commercial and Industrial$482 $0 $0 $482 $250 
Commercial Real Estate30,812 0 0 30,812 1,857 
Total Loans and Leases$31,294 $0 $0 $31,294 $2,107 
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
December 31, 2024
Commercial and Industrial$610 $0 $0 $610 $0 
Commercial Real Estate31,051 0 0 31,051 1,712 
Total Loans and Leases$31,661 $0 $0 $31,661 $1,712 
Schedule of loan modifications to borrowers experiencing financial difficulty
The following table shows the amortized cost basis as of June 30, 2025 and December 31, 2024 of the modified loans to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
June 30, 2025
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
Commercial and Industrial
Commercial and industrial other$118 $427 $0 $78 $0 $623 0.07 %
Subtotal commercial and industrial118 427 0 78 0 623 0.06 %
Commercial Real Estate
Commercial real estate other0 2,924 0 0 388 3,312 0.11 %
Subtotal commercial real estate0 2,924 0 0 388 3,312 0.09 %
Residential
Home equity0 0 0 37 0 37 0.02 %
Mortgages0 0 0 110 620 730 0.05 %
Subtotal residential0 0 0 147 620 767 0.05 %
Consumer
Consumer and other21 0 0 0 0 21 0.02 %
Subtotal consumer21 0 0 0 0 21 0.02 %
Total loans and leases$139 $3,351 $0 $225 $1,008 $4,723 0.08 %
December 31, 2024
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
Commercial and Industrial
Commercial and industrial other$10 $463 $0 $110 $45 $628 0.07 %
Subtotal commercial and industrial10 463 0 110 45 628 0.07 %
Commercial Real Estate
Commercial real estate other0 2,990 0 0 394 3,384 0.12 %
Subtotal commercial real estate0 2,990 0 0 394 3,384 0.10 %
Residential
Home equity0 0 0 40 0 40 0.02 %
Mortgages0 0 0 112 548 660 0.05 %
Subtotal residential0 0 0 152 548 700 0.04 %
Consumer
Consumer and other22 0 0 0 0 22 0.02 %
Subtotal consumer22 0 0 0 0 22 0.02 %
Total loans and leases$32 $3,453 $0 $262 $987 $4,734 0.08 %
The following table shows the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of June 30, 2025 and December 31, 2024:
June 30, 2025Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
Commercial and Industrial
Commercial and industrial other$617 $0 $0 $0 $6 $623 
Subtotal commercial and industrial617 0 0 0 6 623 
Commercial Real Estate
Commercial real estate other3,312 0 0 0 0 3,312 
Subtotal commercial real estate3,312 0 0 0 0 3,312 
Residential Real Estate
Home equity0 0 0 0 37 37 
Mortgages263 0 0 0 467 730 
Subtotal residential real estate263 0 0 0 504 767 
Consumer and Other
Consumer and other0 0 0 0 21 21 
Subtotal consumer and other0 0 0 0 21 21 
Total$4,192 $0 $0 $0 $531 $4,723 
December 31, 2024Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
Commercial and Industrial
Commercial and industrial other$618 $0 $0 $0 $10 $628 
Subtotal commercial and industrial618 0 0 0 10 628 
Commercial Real Estate
Commercial real estate other3,384 0 0 0 0 3,384 
Subtotal commercial real estate3,384 0 0 0 0 3,384 
Residential Real Estate
Home equity0 0 0 0 40 40 
Mortgages154 0 112 0 394 660 
Subtotal residential real estate154 0 112 0 434 700 
Consumer and Other
Consumer and other0 0 0 0 22 22 
Subtotal consumer and other0 0 0 0 22 22 
Total$4,156 $0 $112 $0 $466 $4,734 
Schedule of credit quality indicators by total loans on an amortized cost basis
The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of June 30, 2025 and December 31, 2024:
June 30, 2025
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$80,826 $139,160 $107,918 $81,974 $44,540 $165,706 $276,817 $3,174 $900,115 
Special Mention0 517 1,554 123 96 1,500 3,107 0 6,897 
Substandard0 390 19 28 711 558 1,045 191 2,942 
Total Commercial and Industrial - Other$80,826 $140,067 $109,491 $82,125 $45,347 $167,764 $280,969 $3,365 $909,954 
Current-period gross writeoffs$0 $80 $67 $38 $0 $13 $0 $0 $198 
Commercial and Industrial - Agriculture:
Pass$5,230 $13,514 $25,210 $8,939 $1,947 $7,321 $34,521 $390 $97,072 
Special Mention0 0 0 0 28 0 0 0 28 
Substandard0 0 0 0 0 33 0 0 33 
Total Commercial and Industrial - Agriculture$5,230 $13,514 $25,210 $8,939 $1,975 $7,354 $34,521 $390 $97,133 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$174,864 $330,483 $271,164 $353,475 $349,728 $1,292,557 $62,761 $25,446 $2,860,478 
Special Mention0 0 0 1,488 586 30,870 0 0 32,944 
Substandard0 399 927 1,150 1,463 31,509 877 0 36,325 
Total Commercial Real Estate$174,864 $330,882 $272,091 $356,113 $351,777 $1,354,936 $63,638 $25,446 $2,929,747 
Current-period gross writeoffs$0 $0 $0 $0 $2,000 $2,882 $0 $0 $4,882 
Commercial Real Estate - Agriculture:
Pass$9,672 $24,380 $11,797 $40,696 $20,802 $110,414 $6,895 $445 $225,101 
Special Mention0 0 0 0 0 179 0 0 179 
Substandard0 0 0 0 0 138 0 0 138 
Total Commercial Real Estate - Agriculture$9,672 $24,380 $11,797 $40,696 $20,802 $110,731 $6,895 $445 $225,418 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$2,535 $28,917 $8,257 $2,357 $23,134 $321 $259,325 $3,268 $328,114 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,302 0 17,302 
Total Commercial Real Estate - Construction$2,535 $28,917 $8,257 $2,357 $23,134 $321 $276,627 $3,268 $345,416 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$950 $15,848 $3,346 $3,701 $1,260 $15,867 $168,807 $928 $210,707 
Nonperforming0 0 0 0 0 648 2,224 0 2,872 
Total Residential - Home Equity$950 $15,848 $3,346 $3,701 $1,260 $16,515 $171,031 $928 $213,579 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$41,124 $109,694 $126,284 $166,241 $230,435 $669,131 $0 $0 $1,342,909 
Nonperforming0 0 1,028 848 945 11,257 0 0 14,078 
Total Residential - Mortgages$41,124 $109,694 $127,312 $167,089 $231,380 $680,388 $0 $0 $1,356,987 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$27,749 $13,708 $13,884 $8,530 $8,017 $13,666 $2,048 $0 $87,602 
Nonperforming13 0 3 0 0 102 3 0 121 
Total Consumer - Direct$27,762 $13,708 $13,887 $8,530 $8,017 $13,768 $2,051 $0 $87,723 
Current-period gross writeoffs$1,219 $3 $0 $17 $17 $36 $0 $0 $1,292 
Consumer - Indirect
Performing$0 $0 $0 $0 $31 $76 $0 $0 $107 
Nonperforming0 0 0 0 0 6 0 0 6 
Total Consumer - Indirect$0 $0 $0 $0 $31 $82 $0 $0 $113 
Current-period gross writeoffs$0 $0 $0 $0 $0 $5 $0 $0 $5 
December 31, 2024
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$164,809 $114,591 $60,984 $54,087 $19,311 $144,785 $256,621 $35,968 $851,156 
Special Mention334 288 174 808 144 375 157 0 2,280 
Substandard425 0 41 43 4 608 1,011 0 2,132 
Total Commercial and Industrial - Other$165,568 $114,879 $61,199 $54,938 $19,459 $145,768 $257,789 $35,968 $855,568 
Current-period gross writeoffs$0 $15 $30 $44 $21 $432 $0 $0 $542 
Commercial and Industrial - Agriculture:
Pass$15,686 $23,823 $9,893 $2,233 $1,660 $11,304 $42,438 $2,895 $109,932 
Special Mention0 0 0 34 0 0 0 0 34 
Substandard0 0 0 0 41 0 0 0 41 
Total Commercial and Industrial - Agriculture$15,686 $23,823 $9,893 $2,267 $1,701 $11,304 $42,438 $2,895 $110,007 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$331,943 $242,564 $324,510 $355,090 $277,220 $1,088,575 $50,632 $16,958 $2,687,492 
Special Mention0 0 1,499 599 15,205 12,637 4,452 0 34,392 
Substandard731 973 1,474 2,561 1,840 45,856 985 0 54,420 
Total Commercial Real Estate$332,674 $243,537 $327,483 $358,250 $294,265 $1,147,068 $56,069 $16,958 $2,776,304 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Agriculture:
Pass$23,754 $11,594 $37,398 $21,510 $19,853 $96,967 $4,169 $1,950 $217,195 
Special Mention0 0 0 0 0 217 0 0 217 
Substandard0 0 0 0 0 170 0 0 170 
Total Commercial Real Estate - Agriculture$23,754 $11,594 $37,398 $21,510 $19,853 $97,354 $4,169 $1,950 $217,582 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$13,160 $744 $682 $5,003 $1,986 $802 $293,479 $52,675 $368,531 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,400 0 17,400 
Total Commercial Real Estate - Construction$13,160 $744 $682 $5,003 $1,986 $802 $310,879 $52,675 $385,931 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$15,181 $3,106 $2,383 $1,053 $784 $12,993 $163,202 $2,603 $201,305 
Nonperforming0 0 0 0 0 594 2,295 0 2,889 
Total Residential - Home Equity$15,181 $3,106 $2,383 $1,053 $784 $13,587 $165,497 $2,603 $204,194 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$106,698 $130,463 $172,310 $239,307 $204,310 $500,169 $0 $0 $1,353,257 
Nonperforming0 707 612 737 948 10,385 0 0 13,389 
Total Residential - Mortgages$106,698 $131,170 $172,922 $240,044 $205,258 $510,554 $0 $0 $1,366,646 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$40,812 $18,082 $10,022 $9,109 $3,953 $11,485 $2,575 $0 $96,038 
Nonperforming0 4 24 8 4 77 8 0 125 
Total Consumer - Direct$40,812 $18,086 $10,046 $9,117 $3,957 $11,562 $2,583 $0 $96,163 
Current-period gross writeoffs$2,272 $15 $11 $32 $10 $229 $0 $0 $2,569 
Consumer - Indirect
Performing$0 $0 $0 $52 $23 $141 $0 $0 $216 
Nonperforming0 0 0 0 0 13 0 0 13 
Total Consumer - Indirect$0 $0 $0 $52 $23 $154 $0 $0 $229 
Current-period gross writeoffs$0 $0 $0 $0 $0 $29 $0 $0 $29 
v3.25.2
Earnings Per Share (Tables)
 6 Months Ended
Jun. 30, 2025
Earnings Per Share [Abstract]  
Schedule of basic and diluted earnings per share
Earnings per share in the table below, for the three and six month periods ended June 30, 2025 and 2024 are calculated under the two-class method as required by ASC Topic 260, Earnings Per Share (ASC 260). ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method. Prior to 2019, the Company issued restricted stock awards that contained such rights and are therefore considered participating securities. Since 2019, the Company has issued restricted stock awards that do not have nonforfeitable rights to dividends and are therefore not considered participating securities. Basic earnings per common share are calculated by dividing net income allocable to common stock by the weighted average number of common shares, excluding participating securities, during the period. Diluted earnings per common share include the dilutive effect of participating securities.
Three Months Ended
(In thousands, except share and per share data)6/30/20256/30/2024
Basic
Net income available to common shareholders$21,471 $15,682 
Less: income attributable to unvested stock-based compensation awards0 0 
Net earnings allocated to common shareholders21,471 15,682 
Weighted average shares outstanding, including unvested stock-based compensation awards14,433,857 14,399,291 
Less: average unvested stock-based compensation awards(187,462)(184,717)
Weighted average shares outstanding - Basic14,246,395 14,214,574 
Diluted
Net earnings allocated to common shareholders21,471 15,682 
Weighted average shares outstanding - Basic14,246,395 14,214,574 
Plus: incremental shares from assumed conversion of stock-based compensation awards73,730 25,052 
Weighted average shares outstanding - Diluted14,320,125 14,239,626 
Basic EPS$1.51 $1.10 
Diluted EPS$1.50 $1.10 
Six Months Ended
(In thousands, except share and per share data)6/30/20256/30/2024
Basic
Net income available to common shareholders$41,150 $32,554 
Less: income attributable to unvested stock-based compensation awards0 0 
Net earnings allocated to common shareholders41,150 32,554 
Weighted average shares outstanding, including unvested stock-based compensation awards14,434,245 14,402,519 
Less: unvested stock-based compensation awards(187,979)(189,277)
Weighted average shares outstanding - Basic14,246,266 14,213,242 
Diluted
Net earnings allocated to common shareholders41,150 32,554 
Weighted average shares outstanding - Basic14,246,266 14,213,242 
Plus: incremental shares from assumed conversion of stock-based compensation awards73,515 25,750 
Weighted average shares outstanding - Diluted14,319,781 14,238,992 
Basic EPS$2.89 $2.29 
Diluted EPS$2.87 $2.29 
v3.25.2
Other Comprehensive Income (Loss) (Tables)
 6 Months Ended
Jun. 30, 2025
Stockholders' Equity Note [Abstract]  
Schedule of reclassifications out of accumulated other comprehensive income (loss)
The following tables present reclassifications out of accumulated other comprehensive income (loss) for the three and six month periods ended June 30, 2025 and 2024:
Three Months Ended June 30, 2025
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized (loss) gain during the period$9,392 $(2,348)$7,044 
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income (loss)0 0 0 
Net unrealized gains9,392 (2,348)7,044 
Employee benefit plans:
Amortization of net retirement plan actuarial gain (loss)19 (5)14 
Amortization of net retirement plan prior service cost49 (12)37 
Employee benefit plans68 (17)51 
Other comprehensive income$9,460 $(2,365)$7,095 
Three Months Ended June 30, 2024
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized (loss) gain during the period$(1,391)$340 $(1,051)
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income (loss)0 0 0 
Net unrealized losses(1,391)340 (1,051)
Employee benefit plans:
Amortization of net retirement plan actuarial gain (loss)215 (53)162 
Amortization of net retirement plan prior service cost47 (12)35 
Employee benefit plans262 (65)197 
Other comprehensive (loss)$(1,129)$275 $(854)
Six Months Ended June 30, 2025
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period$30,881 $(7,720)$23,161 
Reclassification adjustment for net realized gains on sale of available-for-sale debt securities included in net income0 0 0 
Net unrealized losses30,881 (7,720)23,161 
Employee benefit plans:
Amortization of net retirement plan actuarial loss190 (48)142 
Amortization of net retirement plan prior service cost98 (24)74 
Employee benefit plans288 (72)216 
Other comprehensive income$31,169 $(7,792)$23,377 
Six Months Ended June 30, 2024
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period$(14,675)$3,596 $(11,079)
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income0 0 0 
Net unrealized gains/losses(14,675)3,596 (11,079)
Employee benefit plans:
Amortization of net retirement plan actuarial loss457 (112)345 
Amortization of net retirement plan prior service cost92 (23)69 
Employee benefit plans549 (135)414 
Other comprehensive (loss)$(14,126)$3,461 $(10,665)
The following table presents the activity in our accumulated other comprehensive (loss) income for the periods indicated:
(In thousands)Available-for-
Sale Debt Securities		Employee
Benefit Plans		Accumulated
Other
Comprehensive
(Loss) Income
Balance at April 1, 2025$(85,577)$(16,633)$(102,210)
Other comprehensive income before reclassifications7,044 0 7,044 
Amounts reclassified from accumulated other comprehensive (loss) income0 51 51 
Net current-period other comprehensive income7,044 51 7,095 
Balance at June 30, 2025$(78,533)$(16,582)$(95,115)
Balance at January 1, 2025$(101,694)$(16,798)$(118,492)
Other comprehensive income before reclassifications23,161 0 23,161 
Amounts reclassified from accumulated other comprehensive (loss) income0 216 216 
Net current-period other comprehensive income23,161 216 23,377 
Balance at June 30, 2025$(78,533)$(16,582)$(95,115)
(In thousands)Available-for-
Sale Debt Securities		Employee
Benefit Plans		Accumulated
Other
Comprehensive
(Loss) Income
Balance at April 1, 2024$(109,563)$(25,253)$(134,816)
Other comprehensive loss before reclassifications(1,051)0 (1,051)
Amounts reclassified from accumulated other comprehensive (loss) income0 197 197 
Net current-period other comprehensive (loss) income(1,051)197 (854)
Balance at June 30, 2024$(110,614)$(25,056)$(135,670)
Balance at January 1, 2024$(99,535)$(25,470)$(125,005)
Other comprehensive loss before reclassifications(11,079)0 (11,079)
Amounts reclassified from accumulated other comprehensive (loss) income0 414 414 
Net current-period other comprehensive income (loss)(11,079)414 (10,665)
Balance at June 30, 2024$(110,614)$(25,056)$(135,670)
Schedule of amounts reclassified out of each component of accumulated other comprehensive income (loss)
The following tables present the amounts reclassified out of each component of accumulated other comprehensive (loss) income for the three and six months ended June 30, 2025 and 2024:
Three Months Ended June 30, 2025
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount
Reclassified from
Accumulated
Other
Comprehensive
(Loss) Income1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net gain (loss) on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(19)Other operating expense
Net retirement plan prior service cost(49)Other operating expense
(68)Total before tax
17 Income tax expense
$(51)Net of tax
Three Months Ended June 30, 2024
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount
Reclassified from
Accumulated
Other
Comprehensive
(Loss) Income1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net loss on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(215)Other operating expense
Net retirement plan prior service cost(47)Other operating expense
(262)Total before tax
65 Income tax expense
$(197)Net of tax
Six Months Ended June 30, 2025
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount Reclassified from Accumulated Other Comprehensive (Loss)1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net gain (loss) on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(190)Other operating expense
Net retirement plan prior service cost(98)Other operating expense
(288)Total before tax
72 Income tax expense
$(216)Net of tax
Six Months Ended June 30, 2024
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount Reclassified from Accumulated Other Comprehensive (Loss)1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net loss on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(457)Other operating expense
Net retirement plan prior service cost(92)Other operating expense
(549)Total before tax
135 Tax benefit
$(414)Net of tax
1 Amounts in parentheses indicate debits in income statement.
2 The accumulated other comprehensive (loss) income components are included in the computation of net periodic benefit cost (See Note 10 - "Employee Benefit Plans" in the Company's Annual Report on Form 10-K for the year ended December 31, 2024).
v3.25.2
Segment and Related Information (Table)
 6 Months Ended
Jun. 30, 2025
Segment Reporting [Abstract]  
Schedule of segment and related information
Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following tables. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking, insurance, and wealth management services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by the bank and the holding company. All other accounting policies are the same as those described in the summary of significant accounting policies in the Company's Annual Report on Form 10-K for the year ended December 31, 2024.
Three Months Ended June 30, 2025
(In thousands)BankingInsuranceWealth ManagementIntercompanyConsolidated
Interest income$93,646 $1 $0 $(1)$93,646 
Interest expense33,517 0 0 (1)33,516 
Net interest income60,129 1 0 0 60,130 
Provision for credit loss expense2,780 0 0 0 2,780 
Noninterest income7,617 9,901 5,541 (547)22,512 
Noninterest expense40,441 7,729 4,000 (547)51,623 
Income before income tax expense24,525 2,173 1,541 0 28,239 
Income tax expense5,831 552 385 0 6,768 
Net Income attributable to Tompkins Financial Corporation$18,694 $1,621 $1,156 $0 $21,471 
Depreciation and amortization$1,978 $36 $44 $0 $2,058 
Assets8,319,441 49,305 29,087 (24,015)8,373,818 
Goodwill64,525 19,867 8,211 (1)92,602 
Other intangibles, net1,367 854 16 0 2,237 
Net loans and leases6,114,099 0 0 0 6,114,099 
Deposits6,734,658 0 0 (18,863)6,715,795 
Total Equity701,907 33,248 26,638 0 761,793 
Three Months Ended June 30, 2024
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$85,240 $1 $0 $(1)$85,240 
Interest expense34,288 0 0 (1)34,287 
Net interest income50,952 1 0 0 50,953 
Provision for credit loss expense2,172 0 0 0 2,172 
Noninterest income7,822 9,220 5,261 (527)21,776 
Noninterest expense39,662 7,086 3,721 (527)49,942 
Income before income tax expense16,940 2,135 1,540 0 20,615 
Income tax expense3,938 582 382 0 4,902 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation13,002 1,553 1,158 0 15,713 
Less: Net income attributable to noncontrolling interests31 0 0 0 31 
Net Income attributable to Tompkins Financial Corporation$12,971 $1,553 $1,158 $0 $15,682 
Depreciation and amortization$2,522 $41 $41 $0 $2,604 
Assets7,810,792 48,840 29,404 (19,514)7,869,522 
Goodwill64,525 19,866 8,211 0 92,602 
Other intangibles, net978 1,186 29 0 2,193 
Net loans and leases5,708,805 0 0 0 5,708,805 
Deposits6,312,911 0 0 (27,015)6,285,896 
Total Equity605,109 37,055 33,929 0 676,093 
Six Months Ended June 30, 2025
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$183,108 $1 $0 $(1)$183,108 
Interest expense66,317 0 0 (1)66,316 
Net interest income116,791 1 0 0 116,792 
Provision for credit loss expense8,067 0 0 0 8,067 
Noninterest income16,263 21,604 10,754 (1,077)47,544 
Noninterest expense80,136 15,054 8,117 (1,077)102,230 
Income before income tax expense44,851 6,551 2,637 0 54,039 
Income tax expense10,473 1,757 659 0 12,889 
Net Income attributable to Tompkins Financial Corporation$34,378 $4,794 $1,978 $0 $41,150 
Depreciation and amortization$4,084 $82 $87 $0 $4,253 
Six Months Ended June 30, 2024
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$168,423 $2 $0 $(2)$168,423 
Interest expense66,797 0 0 (2)66,795 
Net interest income101,626 2 0 0 101,628 
Provision for credit loss expense3,026 0 0 0 3,026 
Noninterest income14,933 19,746 10,300 (1,066)43,913 
Noninterest expense79,025 14,313 7,527 (1,066)99,799 
Income before income tax expense34,508 5,435 2,773 0 42,716 
Income tax expense7,924 1,489 687 0 10,100 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation26,584 3,946 2,086 0 32,616 
Less: Net income attributable to noncontrolling interests62 0 0 0 62 
Net Income attributable to Tompkins Financial Corporation$26,522 $3,946 $2,086 $0 $32,554 
Depreciation and amortization$5,444 $84 $82 $0 $5,610 
v3.25.2
Fair Value Measurements (Tables)
 6 Months Ended
Jun. 30, 2025
Fair Value Disclosures [Abstract]  
Schedule of financial assets and financial liabilities measured at fair value on recurring basis
The following tables summarize financial assets and financial liabilities measured at fair value on a recurring basis as of June 30, 2025 and December 31, 2024, segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value:
Recurring Fair Value Measurements
June 30, 2025
(In thousands)Total(Level 1)(Level 2)(Level 3)
Assets
Available-for-sale debt securities
U.S. Treasuries$53,060 $0 $53,060 $0 
Obligations of U.S. Government sponsored entities383,939 0 383,939 0 
Obligations of U.S. states and political subdivisions76,111 0 76,111 0 
Mortgage-backed securities – residential, issued by:
U.S. Government agencies88,724 0 88,724 0 
U.S. Government sponsored entities671,091 0 671,091 0 
U.S. corporate debt securities2,445 0 2,445 0 
Total Available-for-sale debt securities$1,275,370 $0 $1,275,370 $0 
Equity securities, at fair value784 0 0 784 
Derivatives designated as hedging instruments350 0 350 0 
Derivatives not designated as hedging instruments4,554 0 4,554 0 
Liabilities
Derivatives not designated as hedging instruments$5,034 $0 $5,034 $0 
Recurring Fair Value Measurements
December 31, 2024
(In thousands)Total(Level 1)(Level 2)(Level 3)
Assets
Available-for-sale debt securities
U.S. Treasuries$71,497 $0 $71,497 $0 
Obligations of U.S. Government sponsored entities380,280 0 380,280 0 
Obligations of U.S. states and political subdivisions77,694 0 77,694 0 
Mortgage-backed securities – residential, issued by:
U.S. Government agencies63,254 0 63,254 0 
U.S. Government sponsored entities636,360 0 636,360 0 
U.S. corporate debt securities2,447 0 2,447 0 
Total Available-for-sale debt securities$1,231,532 $0 $1,231,532 $0 
Equity securities, at fair value768 0 0 768 
Derivatives designated as hedging instruments864 0 864 0 
Derivatives not designated as hedging instruments1,831 0 1,831 0 
Liabilities
Derivatives not designated as hedging instruments$2,073 $0 $2,073 $0 
Schedule of assets measured at fair value on nonrecurring basis
Three months ended June 30, 2025
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2025Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Three months ended 06/30/2025
Individually evaluated loans$0 $0 $0 $0 $(4,711)
Three months ended June 30, 2024
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2024Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Three months ended 06/30/2024
Individually evaluated loans$2,254 $0 $0 $2,254 $0 
Other real estate owned$80 $0 $0 $80 $0 
Six months ended June 30, 2025
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2025Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Six months ended 06/30/2025
Individually evaluated loans$29,914 $0 $0 $29,914 $(4,711)
Other real estate owned0 0 0 0 1,898 
Six months ended June 30, 2024
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:As of 06/30/2024Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)		Six months ended 06/30/2024
Individually evaluated loans$3,501 $0 $0 $3,501 $0 
Other real estate owned80 0 0 80 43 
Schedule of carrying amount and estimated fair value of financial instruments
The following tables present the carrying amounts and estimated fair values of the Company’s financial instruments at June 30, 2025 and December 31, 2024. The carrying amounts shown in the tables are included in the Consolidated Statements of Condition under the indicated captions.
Estimated Fair Value of Financial Instruments
June 30, 2025
(In thousands)Carrying
Amount		Fair Value(Level 1)(Level 2)(Level 3)
Financial Assets:
Cash and cash equivalents$212,551 $212,551 $212,551 $0 $0 
Securities - held-to-maturity312,493 278,948 0 278,948 0 
FHLB stock and other stock37,129 37,129 0 37,129 0 
Accrued interest receivable30,604 30,604 0 30,604 0 
Loans/leases, net1
6,114,099 5,810,384 0 0 5,810,384 
Financial Liabilities:
Time deposits$1,225,941 $1,221,919 $0 $1,221,919 $0 
Other deposits5,489,854 5,489,854 0 5,489,854 0 
Fed funds purchased and securities sold
under agreements to repurchase127,111 127,111 0 127,111 0 
Other borrowings672,696 673,303 0 673,303 0 
Accrued interest payable5,241 5,241 0 5,241 0 
Estimated Fair Value of Financial Instruments
December 31, 2024
(In thousands)Carrying
Amount		Fair Value(Level 1)(Level 2)(Level 3)
Financial Assets:
Cash and cash equivalents$134,398 $134,398 $134,398 $0 $0 
Securities - held-to-maturity312,462 267,295 0 267,295 0 
FHLB stock and other stock42,255 42,255 0 42,255 0 
Accrued interest receivable28,823 28,823 0 28,823 0 
Loans/leases, net1
5,963,426 5,584,661 0 0 5,584,661 
Financial Liabilities:
Time deposits$1,068,375 $1,064,548 $0 $1,064,548 $0 
Other deposits5,403,430 5,403,430 0 5,403,430 0 
Fed funds purchased and securities sold
under agreements to repurchase37,036 37,036 0 37,036 0 
Other borrowings790,247 789,915 0 789,915 0 
Accrued interest payable4,854 4,854 0 4,854 0 
1 Lease receivables, although excluded from the scope of ASC Topic 825, are included in the estimated fair value amounts at their carrying value.
v3.25.2
Derivatives and Hedging Activities (Tables)
 6 Months Ended
Jun. 30, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of cumulative basis adjustment for fair value hedges
As of June 30, 2025 and December 31, 2024, the following amounts were recorded on the balance sheet related to cumulative basis adjustment for fair value hedges.
Line Item in the Statement of Financial Position in Which the Hedged Item is IncludedCarrying Amount of the Hedged Assets/(Liabilities)Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) Carrying Amount of the Hedged Assets/(Liabilities)Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)
06/30/202506/30/202512/31/202412/31/2024
Fixed Rate Loans1
$99,672$(328)$149,175$(825)
Total$99,672$(328)$149,175$(825)
1 These amounts include the amortized cost basis of closed portfolios of fixed rate loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At June 30, 2025 and December 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $688.3 million and $711.0 million respectively; the cumulative basis adjustments associated with these hedging relationships was $328,000 and $825,000, respectively; and the amounts of the designated hedged items were $100.0 million and $150.0 million, $50.0 million of designated hedged items matured in the six-month period ending June 30, 2025.
Schedule of fair values of derivative instruments on the consolidated statements of condition
The tables below present the fair value of the Company’s derivative financial instruments as well as their classification on the consolidated statements of condition as of June 30, 2025 and December 31, 2024. Amounts below are presented on a net basis in accordance with applicable accounting guidance.
Derivative Assets
June 30, 2025
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives designated as hedging instruments
Interest Rate Products$100,000  Other Assets $350 
Total derivatives designated as hedging instruments$350 
Derivatives not designated as hedging instruments
Interest Rate Products$193,867 Other Assets$4,554 
Risk Participation Agreement0 Other Assets0 
Total derivatives not designated as hedging instruments$4,554 
Derivative Assets
December 31, 2024
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives designated as hedging instruments
Interest Rate Products$150,000  Other Assets $864 
Total derivatives designated as hedging instruments$864 
Derivatives not designated as hedging instruments
Interest Rate Products$175,865  Other Assets $1,831 
Risk Participation Agreement0  Other Assets 0 
Total derivatives not designated as hedging instruments$1,831 
 Derivative Liabilities
June 30, 2025
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives not designated as hedging instruments
Interest Rate Products$193,867 Other Liabilities$4,906 
Risk Participation Agreement61,227 Other Liabilities128 
Total derivatives not designated as hedging instruments $5,034 
 Derivative Liabilities
December 31, 2024
(In thousands)Notional AmountBalance Sheet LocationFair Value
Derivatives not designated as hedging instruments
Interest Rate Products$178,646 Other Liabilities$1,990 
Risk Participation Agreement44,387 Other Liabilities83 
Total derivatives not designated as hedging instruments $2,073 
Schedule of effect of fair value and cash flow hedge accounting on the consolidated statements of income
The tables below present the effect of the Company’s derivative financial instruments on the consolidated statements of income for the three and six months ended June 30, 2025 and 2024:
The Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
Location of Gain or (Loss) Recognized in Income on Derivative
Three Months Ended
06/30/202506/30/2024
(In thousands)Interest Income
Total amounts of income and expense line items presented in the statement of financial performance in which the effects of fair value or cash flow hedges are recorded$247 $673 
The effects of fair value and cash flow hedging:
Gain or (loss) on fair value hedging relationships in Subtopic 815-20
Interest contracts
Hedged items158 153 
Derivatives designated as hedging instruments89 520 
The Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
Location of Gain or (Loss) Recognized in Income on Derivative
Six Months Ended
06/30/202506/30/2024
(In thousands)Interest Income
Total amounts of income and expense line items presented in the statement of financial performance in which the effects of fair value or cash flow hedges are recorded$540 $1,335 
The effects of fair value and cash flow hedging:
Gain or (loss) on fair value hedging relationships in Subtopic 815-20
Interest contracts
Hedged items498 (1,013)
Derivatives designated as hedging instruments42 2,348 
Schedule of effect of derivatives not designated as hedging instruments on the consolidated statements of income
The tables below present the effect of the Company’s derivative financial instruments that are not designated as hedging instruments on the consolidated statements of income for the three and six months ended June 30, 2025 and 2024:
Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on Derivative
Three Months Ended
(In thousands)06/30/202506/30/2024
Interest Rate ProductsOther Income$(82)$0 
Risk Participation AgreementOther Income9 6 
Total$(73)$6 
Fee Income Other income $228 $144 
Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on Derivative
Six Months Ended
(In thousands)06/30/202506/30/2024
Interest Rate ProductsOther Income$(194)$37 
Risk Participation AgreementOther Income34 78 
Total$(160)$115 
Fee IncomeOther income $257 $383 
v3.25.2
Business (Details)
Jun. 30, 2025
subsidiary_bank
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Number of wholly owned subsidiaries 1
v3.25.2
Securities - Schedule of Available-for-Sale Securities (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost $ 1,380,080 $ 1,367,123
Gross Unrealized Gains 9,152 3,835
Gross Unrealized Losses 113,862 139,426
Fair Value 1,275,370 1,231,532
U.S. Treasuries    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 55,318 75,141
Gross Unrealized Gains 229 140
Gross Unrealized Losses 2,487 3,784
Fair Value 53,060 71,497
Obligations of U.S. Government sponsored entities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 393,391 398,648
Gross Unrealized Gains 5,105 2,008
Gross Unrealized Losses 14,557 20,376
Fair Value 383,939 380,280
Obligations of U.S. states and political subdivisions    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 83,446 86,328
Gross Unrealized Gains 6 4
Gross Unrealized Losses 7,341 8,638
Fair Value 76,111 77,694
U.S. Government agencies    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 93,039 68,130
Gross Unrealized Gains 58 3
Gross Unrealized Losses 4,373 4,879
Fair Value 88,724 63,254
U.S. Government sponsored entities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 752,386 736,376
Gross Unrealized Gains 3,754 1,680
Gross Unrealized Losses 85,049 101,696
Fair Value 671,091 636,360
U.S. corporate debt securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 2,500 2,500
Gross Unrealized Gains 0 0
Gross Unrealized Losses 55 53
Fair Value $ 2,445 $ 2,447
v3.25.2
Securities - Schedule of Held-to-Maturity Securities (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost $ 312,493 $ 312,462
Gross Unrealized Gains 0 0
Gross Unrealized Losses 33,545 45,167
Fair Value 278,948 267,295
U.S. Treasuries    
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost 85,938 86,049
Gross Unrealized Gains 0 0
Gross Unrealized Losses 8,333 11,361
Fair Value 77,605 74,688
Obligations of U.S. Government sponsored entities    
Schedule of Held-to-maturity Securities [Line Items]    
Amortized Cost 226,555 226,413
Gross Unrealized Gains 0 0
Gross Unrealized Losses 25,212 33,806
Fair Value $ 201,343 $ 192,607
v3.25.2
Securities - Narrative (Details) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]        
Realized gains or losses on sales of available-for-sale debt securities $ 0 $ 0 $ 0 $ 0
Realized gains or losses on called available-for-sale debt securities 0 0 0 0
Net gains (losses) on equity securities 1,000 $ (6,100) 15,300 $ (20,400)
Federal Home Loan Bank New York (FHLBNY)        
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]        
Holdings of FHLBNY, FHLBPITT and ACBB stock, amount of advances 37,000,000.0   37,000,000.0  
Atlantic Central Bankers Bank (ACBB)        
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]        
Holdings of FHLBNY, FHLBPITT and ACBB stock, amount of advances $ 95,000   $ 95,000  
v3.25.2
Securities - Schedule of Available-for-Sale Securities with Unrealized Losses (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Fair Value    
Fair Value, Less than 12 Months $ 87,232 $ 76,389
Fair Value, 12 Months or Longer 800,600 880,651
Fair Value 887,832 957,040
Unrealized Losses    
Unrealized Losses, Less than 12 Months 685 1,142
Unrealized Losses, 12 Months or Longer 113,177 138,284
Unrealized Losses 113,862 139,426
U.S. Treasuries    
Fair Value    
Fair Value, Less than 12 Months 0 0
Fair Value, 12 Months or Longer 38,350 57,019
Fair Value 38,350 57,019
Unrealized Losses    
Unrealized Losses, Less than 12 Months 0 0
Unrealized Losses, 12 Months or Longer 2,487 3,784
Unrealized Losses 2,487 3,784
Obligations of U.S. Government sponsored entities    
Fair Value    
Fair Value, Less than 12 Months 9,494 14,085
Fair Value, 12 Months or Longer 158,738 188,296
Fair Value 168,232 202,381
Unrealized Losses    
Unrealized Losses, Less than 12 Months 84 515
Unrealized Losses, 12 Months or Longer 14,473 19,861
Unrealized Losses 14,557 20,376
Obligations of U.S. states and political subdivisions    
Fair Value    
Fair Value, Less than 12 Months 3,530 3,159
Fair Value, 12 Months or Longer 71,284 73,657
Fair Value 74,814 76,816
Unrealized Losses    
Unrealized Losses, Less than 12 Months 8 36
Unrealized Losses, 12 Months or Longer 7,334 8,602
Unrealized Losses 7,342 8,638
U.S. Government agencies    
Fair Value    
Fair Value, Less than 12 Months 44,762 27,082
Fair Value, 12 Months or Longer 32,451 35,879
Fair Value 77,213 62,961
Unrealized Losses    
Unrealized Losses, Less than 12 Months 258 89
Unrealized Losses, 12 Months or Longer 4,114 4,790
Unrealized Losses 4,372 4,879
U.S. Government sponsored entities    
Fair Value    
Fair Value, Less than 12 Months 29,446 32,063
Fair Value, 12 Months or Longer 497,332 523,353
Fair Value 526,778 555,416
Unrealized Losses    
Unrealized Losses, Less than 12 Months 335 502
Unrealized Losses, 12 Months or Longer 84,714 101,194
Unrealized Losses 85,049 101,696
U.S. corporate debt securities    
Fair Value    
Fair Value, Less than 12 Months 0 0
Fair Value, 12 Months or Longer 2,445 2,447
Fair Value 2,445 2,447
Unrealized Losses    
Unrealized Losses, Less than 12 Months 0 0
Unrealized Losses, 12 Months or Longer 55 53
Unrealized Losses $ 55 $ 53
v3.25.2
Securities - Schedule of Held-to-Maturity Securities with Unrealized Losses (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Fair Value    
Fair Value, Less than 12 Months $ 0 $ 0
Fair Value, 12 Months or Longer 278,948 267,295
Fair Value 278,948 267,295
Unrealized Losses    
Unrealized Losses, Less than 12 Months 0 0
Unrealized Losses, 12 Months or Longer 33,545 45,167
Unrealized Losses 33,545 45,167
U.S. Treasuries    
Fair Value    
Fair Value, Less than 12 Months 0 0
Fair Value, 12 Months or Longer 77,605 74,688
Fair Value 77,605 74,688
Unrealized Losses    
Unrealized Losses, Less than 12 Months 0 0
Unrealized Losses, 12 Months or Longer 8,333 11,361
Unrealized Losses 8,333 11,361
Obligations of U.S. Government sponsored entities    
Fair Value    
Fair Value, Less than 12 Months 0 0
Fair Value, 12 Months or Longer 201,343 192,607
Fair Value 201,343 192,607
Unrealized Losses    
Unrealized Losses, Less than 12 Months 0 0
Unrealized Losses, 12 Months or Longer 25,212 33,806
Unrealized Losses $ 25,212 $ 33,806
v3.25.2
Securities - Schedule of Available-for-Sale Securities Amortized Cost and Estimated Fair Value (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Amortized Cost    
Due in one year or less $ 80,231 $ 100,000
Due after one year through five years 222,856 227,502
Due after five years through ten years 229,246 212,789
Due after ten years 2,322 22,326
Total 534,655 562,617
Mortgage-backed securities 845,425 804,506
Amortized Cost 1,380,080 1,367,123
Fair Value    
Due in one year or less 80,115 99,153
Due after one year through five years 215,331 215,976
Due after five years through ten years 218,289 199,457
Due after ten years 1,820 17,332
Total 515,555 531,918
Mortgage-backed securities 759,815 699,614
Fair Value $ 1,275,370 $ 1,231,532
v3.25.2
Securities - Schedule of Held-to-Maturity Securities Amortized Cost and Estimated Fair Value (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Amortized Cost    
Due after one year through five years $ 117,046 $ 117,283
Due after five years through ten years 195,447 195,179
Total held-to-maturity debt securities 312,493 312,462
Fair Value    
Due after one year through five years 105,822 102,173
Due after five years through ten years 173,126 165,122
Total held-to-maturity debt securities $ 278,948 $ 267,295
v3.25.2
Loans and Leases - Schedule of Loans and Leases (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 6,177,071 $ 6,025,108
Less: unearned income and deferred costs and fees (4,417) (5,186)
Total loans and leases, net of unearned income and deferred costs and fees 6,172,654 6,019,922
Commercial and Industrial    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 1,007,087 965,575
Commercial and Industrial | Agriculture    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 97,133 110,007
Total loans and leases, net of unearned income and deferred costs and fees 97,133 110,007
Commercial and Industrial | Commercial and industrial other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 909,954 855,568
Total loans and leases, net of unearned income and deferred costs and fees 909,954 855,568
Commercial Real Estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 3,500,581 3,379,817
Commercial Real Estate | Agriculture    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 225,418 217,582
Total loans and leases, net of unearned income and deferred costs and fees 225,418 217,582
Commercial Real Estate | Commercial and industrial other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 2,929,747 2,776,304
Total loans and leases, net of unearned income and deferred costs and fees 2,929,747 2,776,304
Commercial Real Estate | Construction    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 345,416 385,931
Total loans and leases, net of unearned income and deferred costs and fees 345,416 385,931
Residential real estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 1,570,566 1,570,840
Residential real estate | Home equity    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 213,579 204,194
Total loans and leases, net of unearned income and deferred costs and fees 213,579 204,194
Residential real estate | Mortgages    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 1,356,987 1,366,646
Total loans and leases, net of unearned income and deferred costs and fees 1,356,987 1,366,646
Consumer and other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 87,836 96,392
Consumer and other | Commercial and industrial other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 87,723 96,163
Consumer and other | Indirect    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 113 229
Total loans and leases, net of unearned income and deferred costs and fees 113 229
Leases    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 11,001 $ 12,484
v3.25.2
Loans and Leases - Schedule of Age Analysis of Past Due Loans (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]    
Total loans and leases $ 6,177,071 $ 6,025,108
Less: unearned income and deferred costs and fees (4,417) (5,186)
Total loans and leases, net of unearned income and deferred costs and fees 6,172,654 6,019,922
Nonaccrual Loans and Leases with no ACL 27,999 26,127
Total Loans 52,325 50,548
Loans and Leases Past Due Over 89 Days and Accruing 166 323
30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,482 6,533
Less: unearned income and deferred costs and fees 0 0
Total loans and leases, net of unearned income and deferred costs and fees 2,482 6,533
60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 3,375 22,295
Less: unearned income and deferred costs and fees 0 0
Total loans and leases, net of unearned income and deferred costs and fees 3,375 22,295
90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 44,424 24,079
Less: unearned income and deferred costs and fees 0 0
Total loans and leases, net of unearned income and deferred costs and fees 44,424 24,079
Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 50,281 52,907
Less: unearned income and deferred costs and fees 0 0
Total loans and leases, net of unearned income and deferred costs and fees 50,281 52,907
Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 6,126,790 5,972,201
Less: unearned income and deferred costs and fees (4,417) (5,186)
Total loans and leases, net of unearned income and deferred costs and fees 6,122,373 5,967,015
Commercial and Industrial    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,007,087 965,575
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 2,570 1,542
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial and Industrial | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 181 3,944
Commercial and Industrial | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 971 32
Commercial and Industrial | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,202 684
Commercial and Industrial | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 3,354 4,660
Commercial and Industrial | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,003,733 960,915
Commercial and Industrial | Agriculture    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 97,133 110,007
Total loans and leases, net of unearned income and deferred costs and fees 97,133 110,007
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 0 519
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial and Industrial | Agriculture | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Commercial and Industrial | Agriculture | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Commercial and Industrial | Agriculture | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Commercial and Industrial | Agriculture | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Commercial and Industrial | Agriculture | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 97,133 110,007
Commercial and Industrial | Commercial and industrial other    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 909,954 855,568
Total loans and leases, net of unearned income and deferred costs and fees 909,954 855,568
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 2,570 1,023
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial and Industrial | Commercial and industrial other | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 181 3,944
Commercial and Industrial | Commercial and industrial other | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 971 32
Commercial and Industrial | Commercial and industrial other | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,202 684
Commercial and Industrial | Commercial and industrial other | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 3,354 4,660
Commercial and Industrial | Commercial and industrial other | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 906,600 850,908
Commercial Real Estate    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 3,500,581 3,379,817
Nonaccrual Loans and Leases with no ACL 25,495 24,179
Total Loans 32,680 32,590
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial Real Estate | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,605 1,201
Commercial Real Estate | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 767 19,005
Commercial Real Estate | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 29,756 11,966
Commercial Real Estate | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 32,128 32,172
Commercial Real Estate | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 3,468,453 3,347,645
Commercial Real Estate | Agriculture    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 225,418 217,582
Total loans and leases, net of unearned income and deferred costs and fees 225,418 217,582
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 100 129
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial Real Estate | Agriculture | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 38 81
Commercial Real Estate | Agriculture | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Commercial Real Estate | Agriculture | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Commercial Real Estate | Agriculture | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 38 81
Commercial Real Estate | Agriculture | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 225,380 217,501
Commercial Real Estate | Commercial and industrial other    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,929,747 2,776,304
Total loans and leases, net of unearned income and deferred costs and fees 2,929,747 2,776,304
Nonaccrual Loans and Leases with no ACL 8,193 24,179
Total Loans 15,278 32,461
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial Real Estate | Commercial and industrial other | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,567 0
Commercial Real Estate | Commercial and industrial other | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 767 1,605
Commercial Real Estate | Commercial and industrial other | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 12,454 11,966
Commercial Real Estate | Commercial and industrial other | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 14,788 13,571
Commercial Real Estate | Commercial and industrial other | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,914,959 2,762,733
Commercial Real Estate | Construction    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 345,416 385,931
Total loans and leases, net of unearned income and deferred costs and fees 345,416 385,931
Nonaccrual Loans and Leases with no ACL 17,302 0
Total Loans 17,302 0
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Commercial Real Estate | Construction | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 1,120
Commercial Real Estate | Construction | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 17,400
Commercial Real Estate | Construction | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 17,302 0
Commercial Real Estate | Construction | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 17,302 18,520
Commercial Real Estate | Construction | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 328,114 367,411
Residential real estate    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,570,566 1,570,840
Nonaccrual Loans and Leases with no ACL 2,504 1,948
Total Loans 16,949 16,278
Loans and Leases Past Due Over 89 Days and Accruing 1 9
Residential real estate | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 358 955
Residential real estate | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,286 2,927
Residential real estate | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 12,284 11,068
Residential real estate | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 13,928 14,950
Residential real estate | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,556,638 1,555,890
Residential real estate | Home equity    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 213,579 204,194
Total loans and leases, net of unearned income and deferred costs and fees 213,579 204,194
Nonaccrual Loans and Leases with no ACL 232 610
Total Loans 2,872 2,889
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Residential real estate | Home equity | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 358 955
Residential real estate | Home equity | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 30 91
Residential real estate | Home equity | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,328 1,811
Residential real estate | Home equity | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 2,716 2,857
Residential real estate | Home equity | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 210,863 201,337
Residential real estate | Mortgages    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,356,987 1,366,646
Total loans and leases, net of unearned income and deferred costs and fees 1,356,987 1,366,646
Nonaccrual Loans and Leases with no ACL 2,272 1,338
Total Loans 14,077 13,389
Loans and Leases Past Due Over 89 Days and Accruing 1 9
Residential real estate | Mortgages | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Residential real estate | Mortgages | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,256 2,836
Residential real estate | Mortgages | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 9,956 9,257
Residential real estate | Mortgages | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 11,212 12,093
Residential real estate | Mortgages | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1,345,775 1,354,553
Consumer and other    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 87,836 96,392
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 126 138
Loans and Leases Past Due Over 89 Days and Accruing 165 314
Consumer and other | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 338 433
Consumer and other | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 351 331
Consumer and other | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 182 361
Consumer and other | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 871 1,125
Consumer and other | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 86,965 95,267
Consumer and other | Commercial and industrial other    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 87,723 96,163
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 120 125
Loans and Leases Past Due Over 89 Days and Accruing 165 314
Consumer and other | Commercial and industrial other | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 337 430
Consumer and other | Commercial and industrial other | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 351 329
Consumer and other | Commercial and industrial other | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 179 354
Consumer and other | Commercial and industrial other | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 867 1,113
Consumer and other | Commercial and industrial other | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 86,856 95,050
Consumer and other | Indirect    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 113 229
Total loans and leases, net of unearned income and deferred costs and fees 113 229
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 6 13
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Consumer and other | Indirect | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 1 3
Consumer and other | Indirect | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 2
Consumer and other | Indirect | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 3 7
Consumer and other | Indirect | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 4 12
Consumer and other | Indirect | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 109 217
Leases    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 11,001 12,484
Nonaccrual Loans and Leases with no ACL 0 0
Total Loans 0 0
Loans and Leases Past Due Over 89 Days and Accruing 0 0
Leases | 30-59 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Leases | 60-89 Days    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Leases | 90 Days or More    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Leases | Total Past Due    
Financing Receivable, Past Due [Line Items]    
Total loans and leases 0 0
Leases | Current Loans    
Financing Receivable, Past Due [Line Items]    
Total loans and leases $ 11,001 $ 12,484
v3.25.2
Loans and Leases - Schedule of Loans on Nonaccrual Loans (Details) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL $ 27,999,000   $ 27,999,000   $ 26,127,000
Nonaccrual Loans and Leases 52,325,000   52,325,000   50,548,000
Loans and Leases Past Due Over 89 Days and Accruing 166,000   166,000   323,000
Interest income on nonaccrual loans 0 $ 0 0 $ 0  
Commercial and Industrial          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 2,570,000   2,570,000   1,542,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Commercial and Industrial | Agriculture          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 0   0   519,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Commercial and Industrial | Commercial and industrial other          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 2,570,000   2,570,000   1,023,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Commercial Real Estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 25,495,000   25,495,000   24,179,000
Nonaccrual Loans and Leases 32,680,000   32,680,000   32,590,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Commercial Real Estate | Agriculture          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 100,000   100,000   129,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Commercial Real Estate | Construction          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 17,302,000   17,302,000   0
Nonaccrual Loans and Leases 17,302,000   17,302,000   0
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Commercial Real Estate | Commercial and industrial other          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 8,193,000   8,193,000   24,179,000
Nonaccrual Loans and Leases 15,278,000   15,278,000   32,461,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Residential real estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 2,504,000   2,504,000   1,948,000
Nonaccrual Loans and Leases 16,949,000   16,949,000   16,278,000
Loans and Leases Past Due Over 89 Days and Accruing 1,000   1,000   9,000
Residential real estate | Home equity          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 232,000   232,000   610,000
Nonaccrual Loans and Leases 2,872,000   2,872,000   2,889,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Residential real estate | Mortgages          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 2,272,000   2,272,000   1,338,000
Nonaccrual Loans and Leases 14,077,000   14,077,000   13,389,000
Loans and Leases Past Due Over 89 Days and Accruing 1,000   1,000   9,000
Consumer and other          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 126,000   126,000   138,000
Loans and Leases Past Due Over 89 Days and Accruing 165,000   165,000   314,000
Consumer and other | Commercial and industrial other          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 120,000   120,000   125,000
Loans and Leases Past Due Over 89 Days and Accruing 165,000   165,000   314,000
Consumer and other | Indirect          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 6,000   6,000   13,000
Loans and Leases Past Due Over 89 Days and Accruing 0   0   0
Leases          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Nonaccrual Loans and Leases with no ACL 0   0   0
Nonaccrual Loans and Leases 0   0   0
Loans and Leases Past Due Over 89 Days and Accruing $ 0   $ 0   $ 0
v3.25.2
Allowance for Credit Losses - Schedule of Allowance for Credit Losses on Loans (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Allowance for Loan and Lease Losses [Roll Forward]        
Beginning balance $ 61,023 $ 51,704 $ 56,496 $ 51,584
Charge-offs (5,413) (656) (6,377) (1,101)
Recoveries 159 147 390 364
Provision (credit) for credit loss expense 2,786 1,864 8,046 2,212
Ending balance 58,555 53,059 58,555 53,059
Commercial & Industrial        
Allowance for Loan and Lease Losses [Roll Forward]        
Beginning balance 8,618 7,586 7,684 6,667
Charge-offs (13) (30) (198) (30)
Recoveries 9 11 51 18
Provision (credit) for credit loss expense 546 (155) 1,623 757
Ending balance 9,160 7,412 9,160 7,412
Commercial Real Estate        
Allowance for Loan and Lease Losses [Roll Forward]        
Beginning balance 39,308 31,467 35,837 31,581
Charge-offs (4,882) 0 (4,882) 0
Recoveries 2 1 4 3
Provision (credit) for credit loss expense 1,337 1,091 4,806 975
Ending balance 35,765 32,559 35,765 32,559
Residential real estate        
Allowance for Loan and Lease Losses [Roll Forward]        
Beginning balance 11,542 11,181 11,345 11,700
Charge-offs 0 0 0 0
Recoveries 8 5 35 125
Provision (credit) for credit loss expense 515 383 685 (256)
Ending balance 12,065 11,569 12,065 11,569
Consumer and Other        
Allowance for Loan and Lease Losses [Roll Forward]        
Beginning balance 1,497 1,396 1,568 1,557
Charge-offs (518) (626) (1,297) (1,071)
Recoveries 140 130 300 218
Provision (credit) for credit loss expense 390 551 938 747
Ending balance 1,509 1,451 1,509 1,451
Finance Leases        
Allowance for Loan and Lease Losses [Roll Forward]        
Beginning balance 58 74 62 79
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provision (credit) for credit loss expense (2) (6) (6) (11)
Ending balance $ 56 $ 68 $ 56 $ 68
v3.25.2
Allowance for Credit Losses - Narrative (Details)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
USD ($)
loan
Jun. 30, 2024
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2024
USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Partial charge-off $ 5,413 $ 656 $ 6,377 $ 1,101
Commercial Portfolio Segment | Commercial Real Estate        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Partial charge-off $ 4,700      
Number of commercial real estate loan | loan 1      
Total loans $ 18,100      
Specific reserve $ 4,200      
v3.25.2
Allowance for Credit Losses - Schedule of Liabilities for Off-Balance Sheet Credit Exposures (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Off-Balance-Sheet, Credit Loss, Liability [Roll Forward]        
Liabilities for off-balance sheet credit exposures at beginning of period $ 1,490 $ 2,776 $ 1,463 $ 2,270
(Credit) provision for credit loss expense related to off-balance sheet credit exposures (6) 308 21 814
Liabilities for off-balance sheet credit exposures at end of period $ 1,484 $ 3,084 $ 1,484 $ 3,084
v3.25.2
Allowance for Credit Losses - Schedule of Amortized Cost Basis of Collateral Dependent Loans (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases $ 31,294 $ 31,661
ACL Allocation 2,107 1,712
Real Estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 31,294 31,661
Business Assets    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 0 0
Other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 0 0
Commercial and Industrial    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 482 610
ACL Allocation 250 0
Commercial and Industrial | Real Estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 482 610
Commercial and Industrial | Business Assets    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 0 0
Commercial and Industrial | Other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 0 0
Commercial Real Estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 30,812 31,051
ACL Allocation 1,857 1,712
Commercial Real Estate | Real Estate    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 30,812 31,051
Commercial Real Estate | Business Assets    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases 0 0
Commercial Real Estate | Other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total Loans and Leases $ 0 $ 0
v3.25.2
Allowance for Credit Losses - Schedule of Amortized Cost Basis of Loan Modifications to Borrowers Experiencing Financial Difficulty (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2025
Dec. 31, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 4,723 $ 4,734
% of Total Class of Loans and Leases 0.08% 0.08%
Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 139 $ 32
Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 3,351 3,453
Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 225 262
Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 1,008 987
Commercial and Industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 623 $ 628
% of Total Class of Loans and Leases 0.06% 0.07%
Commercial and Industrial | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 118 $ 10
Commercial and Industrial | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 427 463
Commercial and Industrial | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 78 110
Commercial and Industrial | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 45
Commercial and Industrial | Commercial and industrial other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 623 $ 628
% of Total Class of Loans and Leases 0.07% 0.07%
Commercial and Industrial | Commercial and industrial other | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 118 $ 10
Commercial and Industrial | Commercial and industrial other | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 427 463
Commercial and Industrial | Commercial and industrial other | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | Commercial and industrial other | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 78 110
Commercial and Industrial | Commercial and industrial other | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 45
Commercial Real Estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 3,312 $ 3,384
% of Total Class of Loans and Leases 0.09% 0.10%
Commercial Real Estate | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 0 $ 0
Commercial Real Estate | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 2,924 2,990
Commercial Real Estate | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 388 394
Commercial Real Estate | Commercial and industrial other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 3,312 $ 3,384
% of Total Class of Loans and Leases 0.11% 0.12%
Commercial Real Estate | Commercial and industrial other | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 0 $ 0
Commercial Real Estate | Commercial and industrial other | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 2,924 2,990
Commercial Real Estate | Commercial and industrial other | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Commercial and industrial other | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Commercial and industrial other | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 388 394
Residential    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 767 $ 700
% of Total Class of Loans and Leases 0.05% 0.04%
Residential | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 0 $ 0
Residential | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 147 152
Residential | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 620 548
Residential | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 37 $ 40
% of Total Class of Loans and Leases 0.02% 0.02%
Residential | Home equity | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 0 $ 0
Residential | Home equity | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Home equity | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Home equity | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 37 40
Residential | Home equity | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 730 $ 660
% of Total Class of Loans and Leases 0.05% 0.05%
Residential | Mortgages | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 0 $ 0
Residential | Mortgages | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Mortgages | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential | Mortgages | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 110 112
Residential | Mortgages | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 620 548
Consumer    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 21 $ 22
% of Total Class of Loans and Leases 0.02% 0.02%
Consumer | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 21 $ 22
Consumer | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Commercial and industrial other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 21 $ 22
% of Total Class of Loans and Leases 0.02% 0.02%
Consumer | Commercial and industrial other | Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 21 $ 22
Consumer | Commercial and industrial other | Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Commercial and industrial other | Payment Delay and Term Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Commercial and industrial other | Term Extension and Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer | Commercial and industrial other | Payment Delay    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 0 $ 0
v3.25.2
Allowance for Credit Losses - Schedule of Aging Analysis of Loan Modifications to Borrowers Experiencing Financial Difficulty (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2025
Dec. 31, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 4,723 $ 4,734
Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 4,192 4,156
30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 112
90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 531 466
Commercial and Industrial    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 623 628
Commercial and Industrial | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 617 618
Commercial and Industrial | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 6 10
Commercial and Industrial | Commercial and industrial other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 623 628
Commercial and Industrial | Commercial and industrial other | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 617 618
Commercial and Industrial | Commercial and industrial other | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | Commercial and industrial other | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | Commercial and industrial other | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial and Industrial | Commercial and industrial other | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 6 10
Commercial Real Estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 3,312 3,384
Commercial Real Estate | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 3,312 3,384
Commercial Real Estate | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Commercial and industrial other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 3,312 3,384
Commercial Real Estate | Commercial and industrial other | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 3,312 3,384
Commercial Real Estate | Commercial and industrial other | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Commercial and industrial other | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Commercial and industrial other | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Commercial Real Estate | Commercial and industrial other | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 767 700
Residential Real Estate | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 263 154
Residential Real Estate | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 112
Residential Real Estate | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 504 434
Residential Real Estate | Home equity    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 37 40
Residential Real Estate | Home equity | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Home equity | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Home equity | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Home equity | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Home equity | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 37 40
Residential Real Estate | Mortgages    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 730 660
Residential Real Estate | Mortgages | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 263 154
Residential Real Estate | Mortgages | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Mortgages | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 112
Residential Real Estate | Mortgages | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Residential Real Estate | Mortgages | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 467 394
Consumer and Other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 21 22
Consumer and Other | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 21 22
Consumer and Other | Commercial and industrial other    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 21 22
Consumer and Other | Commercial and industrial other | Current Loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | Commercial and industrial other | 30-59 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | Commercial and industrial other | 60-89 Days    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | Commercial and industrial other | 90 Days or More    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total 0 0
Consumer and Other | Commercial and industrial other | Non-Accrual    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Total $ 21 $ 22
v3.25.2
Allowance for Credit Losses - Schedule of Credit Quality Indicators by Total Loans on an Amortized Cost Basis (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2025
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases, net of unearned income and deferred costs and fees $ 6,172,654 $ 6,019,922
Commercial and Industrial | Commercial and industrial other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 80,826 165,568
One year before current fiscal year 140,067 114,879
Two years before current fiscal year 109,491 61,199
Three years before current fiscal year 82,125 54,938
Four years before current fiscal year 45,347 19,459
Prior 167,764 145,768
Revolving Loans Amortized Cost Basis 280,969 257,789
Revolving Loans Converted to Term 3,365 35,968
Total loans and leases, net of unearned income and deferred costs and fees 909,954 855,568
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 80 15
Two years before current fiscal year 67 30
Three years before current fiscal year 38 44
Four years before current fiscal year 0 21
Prior 13 432
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 198 542
Commercial and Industrial | Commercial and industrial other | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 80,826 164,809
One year before current fiscal year 139,160 114,591
Two years before current fiscal year 107,918 60,984
Three years before current fiscal year 81,974 54,087
Four years before current fiscal year 44,540 19,311
Prior 165,706 144,785
Revolving Loans Amortized Cost Basis 276,817 256,621
Revolving Loans Converted to Term 3,174 35,968
Total loans and leases, net of unearned income and deferred costs and fees 900,115 851,156
Commercial and Industrial | Commercial and industrial other | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 334
One year before current fiscal year 517 288
Two years before current fiscal year 1,554 174
Three years before current fiscal year 123 808
Four years before current fiscal year 96 144
Prior 1,500 375
Revolving Loans Amortized Cost Basis 3,107 157
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 6,897 2,280
Commercial and Industrial | Commercial and industrial other | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 425
One year before current fiscal year 390 0
Two years before current fiscal year 19 41
Three years before current fiscal year 28 43
Four years before current fiscal year 711 4
Prior 558 608
Revolving Loans Amortized Cost Basis 1,045 1,011
Revolving Loans Converted to Term 191 0
Total loans and leases, net of unearned income and deferred costs and fees 2,942 2,132
Commercial and Industrial | Agriculture    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 5,230 15,686
One year before current fiscal year 13,514 23,823
Two years before current fiscal year 25,210 9,893
Three years before current fiscal year 8,939 2,267
Four years before current fiscal year 1,975 1,701
Prior 7,354 11,304
Revolving Loans Amortized Cost Basis 34,521 42,438
Revolving Loans Converted to Term 390 2,895
Total loans and leases, net of unearned income and deferred costs and fees 97,133 110,007
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
Commercial and Industrial | Agriculture | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 5,230 15,686
One year before current fiscal year 13,514 23,823
Two years before current fiscal year 25,210 9,893
Three years before current fiscal year 8,939 2,233
Four years before current fiscal year 1,947 1,660
Prior 7,321 11,304
Revolving Loans Amortized Cost Basis 34,521 42,438
Revolving Loans Converted to Term 390 2,895
Total loans and leases, net of unearned income and deferred costs and fees 97,072 109,932
Commercial and Industrial | Agriculture | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 34
Four years before current fiscal year 28 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 28 34
Commercial and Industrial | Agriculture | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 41
Prior 33 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 33 41
Commercial Real Estate | Commercial and industrial other    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 174,864 332,674
One year before current fiscal year 330,882 243,537
Two years before current fiscal year 272,091 327,483
Three years before current fiscal year 356,113 358,250
Four years before current fiscal year 351,777 294,265
Prior 1,354,936 1,147,068
Revolving Loans Amortized Cost Basis 63,638 56,069
Revolving Loans Converted to Term 25,446 16,958
Total loans and leases, net of unearned income and deferred costs and fees 2,929,747 2,776,304
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 2,000 0
Prior 2,882 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 4,882 0
Commercial Real Estate | Commercial and industrial other | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 174,864 331,943
One year before current fiscal year 330,483 242,564
Two years before current fiscal year 271,164 324,510
Three years before current fiscal year 353,475 355,090
Four years before current fiscal year 349,728 277,220
Prior 1,292,557 1,088,575
Revolving Loans Amortized Cost Basis 62,761 50,632
Revolving Loans Converted to Term 25,446 16,958
Total loans and leases, net of unearned income and deferred costs and fees 2,860,478 2,687,492
Commercial Real Estate | Commercial and industrial other | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 1,499
Three years before current fiscal year 1,488 599
Four years before current fiscal year 586 15,205
Prior 30,870 12,637
Revolving Loans Amortized Cost Basis 0 4,452
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 32,944 34,392
Commercial Real Estate | Commercial and industrial other | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 731
One year before current fiscal year 399 973
Two years before current fiscal year 927 1,474
Three years before current fiscal year 1,150 2,561
Four years before current fiscal year 1,463 1,840
Prior 31,509 45,856
Revolving Loans Amortized Cost Basis 877 985
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 36,325 54,420
Commercial Real Estate | Agriculture    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 9,672 23,754
One year before current fiscal year 24,380 11,594
Two years before current fiscal year 11,797 37,398
Three years before current fiscal year 40,696 21,510
Four years before current fiscal year 20,802 19,853
Prior 110,731 97,354
Revolving Loans Amortized Cost Basis 6,895 4,169
Revolving Loans Converted to Term 445 1,950
Total loans and leases, net of unearned income and deferred costs and fees 225,418 217,582
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
Commercial Real Estate | Agriculture | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 9,672 23,754
One year before current fiscal year 24,380 11,594
Two years before current fiscal year 11,797 37,398
Three years before current fiscal year 40,696 21,510
Four years before current fiscal year 20,802 19,853
Prior 110,414 96,967
Revolving Loans Amortized Cost Basis 6,895 4,169
Revolving Loans Converted to Term 445 1,950
Total loans and leases, net of unearned income and deferred costs and fees 225,101 217,195
Commercial Real Estate | Agriculture | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 179 217
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 179 217
Commercial Real Estate | Agriculture | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 138 170
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 138 170
Commercial Real Estate | Construction    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 2,535 13,160
One year before current fiscal year 28,917 744
Two years before current fiscal year 8,257 682
Three years before current fiscal year 2,357 5,003
Four years before current fiscal year 23,134 1,986
Prior 321 802
Revolving Loans Amortized Cost Basis 276,627 310,879
Revolving Loans Converted to Term 3,268 52,675
Total loans and leases, net of unearned income and deferred costs and fees 345,416 385,931
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
Commercial Real Estate | Construction | Pass    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 2,535 13,160
One year before current fiscal year 28,917 744
Two years before current fiscal year 8,257 682
Three years before current fiscal year 2,357 5,003
Four years before current fiscal year 23,134 1,986
Prior 321 802
Revolving Loans Amortized Cost Basis 259,325 293,479
Revolving Loans Converted to Term 3,268 52,675
Total loans and leases, net of unearned income and deferred costs and fees 328,114 368,531
Commercial Real Estate | Construction | Special Mention    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 0 0
Commercial Real Estate | Construction | Substandard    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 17,302 17,400
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 17,302 17,400
Residential | Home equity    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 950 15,181
One year before current fiscal year 15,848 3,106
Two years before current fiscal year 3,346 2,383
Three years before current fiscal year 3,701 1,053
Four years before current fiscal year 1,260 784
Prior 16,515 13,587
Revolving Loans Amortized Cost Basis 171,031 165,497
Revolving Loans Converted to Term 928 2,603
Total loans and leases, net of unearned income and deferred costs and fees 213,579 204,194
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
Residential | Home equity | Performing    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 950 15,181
One year before current fiscal year 15,848 3,106
Two years before current fiscal year 3,346 2,383
Three years before current fiscal year 3,701 1,053
Four years before current fiscal year 1,260 784
Prior 15,867 12,993
Revolving Loans Amortized Cost Basis 168,807 163,202
Revolving Loans Converted to Term 928 2,603
Total loans and leases, net of unearned income and deferred costs and fees 210,707 201,305
Residential | Home equity | Nonperforming    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 648 594
Revolving Loans Amortized Cost Basis 2,224 2,295
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 2,872 2,889
Residential | Mortgages    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 41,124 106,698
One year before current fiscal year 109,694 131,170
Two years before current fiscal year 127,312 172,922
Three years before current fiscal year 167,089 240,044
Four years before current fiscal year 231,380 205,258
Prior 680,388 510,554
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 1,356,987 1,366,646
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
Residential | Mortgages | Performing    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 41,124 106,698
One year before current fiscal year 109,694 130,463
Two years before current fiscal year 126,284 172,310
Three years before current fiscal year 166,241 239,307
Four years before current fiscal year 230,435 204,310
Prior 669,131 500,169
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 1,342,909 1,353,257
Residential | Mortgages | Nonperforming    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 707
Two years before current fiscal year 1,028 612
Three years before current fiscal year 848 737
Four years before current fiscal year 945 948
Prior 11,257 10,385
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 14,078 13,389
Consumer and Other | Direct    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 27,762 40,812
One year before current fiscal year 13,708 18,086
Two years before current fiscal year 13,887 10,046
Three years before current fiscal year 8,530 9,117
Four years before current fiscal year 8,017 3,957
Prior 13,768 11,562
Revolving Loans Amortized Cost Basis 2,051 2,583
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 87,723 96,163
Current-period gross writeoffs    
Current fiscal year 1,219 2,272
One year before current fiscal year 3 15
Two years before current fiscal year 0 11
Three years before current fiscal year 17 32
Four years before current fiscal year 17 10
Prior 36 229
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 1,292 2,569
Consumer and Other | Direct | Performing    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 27,749 40,812
One year before current fiscal year 13,708 18,082
Two years before current fiscal year 13,884 10,022
Three years before current fiscal year 8,530 9,109
Four years before current fiscal year 8,017 3,953
Prior 13,666 11,485
Revolving Loans Amortized Cost Basis 2,048 2,575
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 87,602 96,038
Consumer and Other | Direct | Nonperforming    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 13 0
One year before current fiscal year 0 4
Two years before current fiscal year 3 24
Three years before current fiscal year 0 8
Four years before current fiscal year 0 4
Prior 102 77
Revolving Loans Amortized Cost Basis 3 8
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 121 125
Consumer and Other | Indirect    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 52
Four years before current fiscal year 31 23
Prior 82 154
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 113 229
Current-period gross writeoffs    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 5 29
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 5 29
Consumer and Other | Indirect | Performing    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 52
Four years before current fiscal year 31 23
Prior 76 141
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees 107 216
Consumer and Other | Indirect | Nonperforming    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Current fiscal year 0 0
One year before current fiscal year 0 0
Two years before current fiscal year 0 0
Three years before current fiscal year 0 0
Four years before current fiscal year 0 0
Prior 6 13
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total loans and leases, net of unearned income and deferred costs and fees $ 6 $ 13
v3.25.2
Earnings Per Share - Schedule of Basic and Diluted Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Basic        
Net income available to common shareholders $ 21,471 $ 15,682 $ 41,150 $ 32,554
Less: income attributable to unvested stock-based compensation awards 0 0 0 0
Net earnings allocated to common shareholders $ 21,471 $ 15,682 $ 41,150 $ 32,554
Weighted average shares outstanding, including unvested stock-based compensation awards (in shares) 14,433,857 14,399,291 14,434,245 14,402,519
Less: unvested stock-based compensation awards (in shares) (187,462) (184,717) (187,979) (189,277)
Weighted average shares outstanding - Basic (in shares) 14,246,395 14,214,574 14,246,266 14,213,242
Diluted        
Net earnings allocated to common shareholders $ 21,471 $ 15,682 $ 41,150 $ 32,554
Weighted average shares outstanding - Basic (in shares) 14,246,395 14,214,574 14,246,266 14,213,242
Plus: Incremental shares from assumed conversion of stock-based compensation awards (in shares) 73,730 25,052 73,515 25,750
Weighted average shares outstanding - Diluted (in shares) 14,320,125 14,239,626 14,319,781 14,238,992
Basic EPS (in dollars per share) $ 1.51 $ 1.10 $ 2.89 $ 2.29
Diluted EPS (in dollars per share) $ 1.50 $ 1.10 $ 2.87 $ 2.29
v3.25.2
Earnings Per Share - Narrative (Details) - shares
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Earnings Per Share [Abstract]        
Antidilutive securities excluded from computation of earning per share (in shares) 12,817 88,913 13,151 39,266
v3.25.2
Other Comprehensive Income (Loss) - Schedule of Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Before-Tax Amount        
Net unrealized gains/losses $ 9,460 $ (1,129) $ 31,169 $ (14,126)
Tax (Expense) Benefit        
Net unrealized gains/losses and Other comprehensive income (loss) (2,365) 275 (7,792) 3,461
Net of Tax        
Change in net unrealized (loss) gain during the period 7,044 (1,051) 23,161 (11,079)
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 51 197 216 414
Other comprehensive income (loss) 7,095 (854) 23,377 (10,665)
Net unrealized gains/losses        
Before-Tax Amount        
Change in net unrealized (loss) gain during the period 9,392 (1,391) 30,881 (14,675)
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 0 0 0 0
Net unrealized gains/losses 9,392 (1,391) 30,881 (14,675)
Tax (Expense) Benefit        
Change in net unrealized (loss) gain during the period (2,348) 340 (7,720) 3,596
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 0 0 0 0
Net unrealized gains/losses and Other comprehensive income (loss) (2,348) 340 (7,720) 3,596
Net of Tax        
Change in net unrealized (loss) gain during the period 7,044 (1,051) 23,161 (11,079)
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 0 0 0 0
Other comprehensive income (loss) 7,044 (1,051) 23,161 (11,079)
Amortization of net retirement plan actuarial gain (loss)        
Before-Tax Amount        
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 19 215 190 457
Tax (Expense) Benefit        
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) (5) (53) (48) (112)
Net of Tax        
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 14 162 142 345
Amortization of net retirement plan prior service cost        
Before-Tax Amount        
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 49 47 98 92
Tax (Expense) Benefit        
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) (12) (12) (24) (23)
Net of Tax        
Reclassification adjustment for net realized gains (loss) on sale of available-for-sale debt securities included in net income (loss) 37 35 74 69
Employee benefit plans        
Before-Tax Amount        
Net unrealized gains/losses 68 262 288 549
Tax (Expense) Benefit        
Net unrealized gains/losses and Other comprehensive income (loss) (17) (65) (72) (135)
Net of Tax        
Other comprehensive income (loss) $ 51 $ 197 $ 216 $ 414
v3.25.2
Other Comprehensive Income (Loss) - Schedule of Activity in Accumulated Other Comprehensive (Loss) Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Beginning balance $ 741,377 $ 669,338 $ 713,444 $ 669,934
Other comprehensive income (loss) before reclassifications 7,044 (1,051) 23,161 (11,079)
Amounts reclassified from accumulated other comprehensive (loss) income 51 197 216 414
Other comprehensive income (loss) 7,095 (854) 23,377 (10,665)
Ending balance 761,793 676,093 761,793 676,093
Available-for- Sale Debt Securities        
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Beginning balance (85,577) (109,563) (101,694) (99,535)
Other comprehensive income (loss) before reclassifications 7,044 (1,051) 23,161 (11,079)
Amounts reclassified from accumulated other comprehensive (loss) income 0 0 0 0
Other comprehensive income (loss) 7,044 (1,051) 23,161 (11,079)
Ending balance (78,533) (110,614) (78,533) (110,614)
Employee Benefit Plans        
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Beginning balance (16,633) (25,253) (16,798) (25,470)
Other comprehensive income (loss) before reclassifications 0 0 0 0
Amounts reclassified from accumulated other comprehensive (loss) income 51 197 216 414
Other comprehensive income (loss) 51 197 216 414
Ending balance (16,582) (25,056) (16,582) (25,056)
Accumulated Other Comprehensive (Loss) Income        
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Beginning balance (102,210) (134,816) (118,492) (125,005)
Other comprehensive income (loss) 7,095 (854) 23,377 (10,665)
Ending balance $ (95,115) $ (135,670) $ (95,115) $ (135,670)
v3.25.2
Other Comprehensive Income (Loss) - Schedule of Amounts Reclassified Out of Each Component In Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]        
Net gain (loss) on securities transactions $ 1 $ (6) $ 15 $ (20)
Income tax expense (benefit) (6,768) (4,902) (12,889) (10,100)
Other operating expense (12,832) (13,349) (25,921) (26,340)
Total before tax 28,239 20,615 54,039 42,716
Net of tax 21,471 15,682 41,150 32,554
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Available-for- Sale Debt Securities        
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]        
Net gain (loss) on securities transactions 0 0 0 0
Income tax expense (benefit) 0 0 0 0
Net of tax 0 0 0 0
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Net retirement plan actuarial loss        
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]        
Other operating expense (19) (215) (190) (457)
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Net retirement plan prior service cost        
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]        
Other operating expense (49) (47) (98) (92)
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Employee benefit plans        
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]        
Income tax expense (benefit) 17 65 72 135
Total before tax (68) (262) (288) (549)
Net of tax $ (51) $ (197) $ (216) $ (414)
v3.25.2
Financial Guarantees (Details) - USD ($)
$ in Millions
Jun. 30, 2025
Dec. 31, 2024
Guarantees [Abstract]    
Obligations to extend credit for loan commitments $ 35.4 $ 38.5
v3.25.2
Segment and Related Information - Narrative (Details)
 6 Months Ended
Jun. 30, 2025
banking_office
segment
office
Segment Reporting Information [Line Items]  
Number of reportable segments | segment 3
Tompkins Insurance Agencies Inc  
Segment Reporting Information [Line Items]  
Noncontrolling interest, ownership percentage by parent 100.00%
Tompkins, Cayuga, Cortland and Schuyler Counties, New York  
Segment Reporting Information [Line Items]  
Number of banking offices 12
Wyoming, Livingston, Genessee, Orleans and Monroe, New York  
Segment Reporting Information [Line Items]  
Number of banking offices 14
Putnam Country, Dutchess Country and Westchester, New York  
Segment Reporting Information [Line Items]  
Number of banking offices 12
Berks, Montgomery, Philadelphia, Deleware and Schuylkill, Pennsylvania  
Segment Reporting Information [Line Items]  
Number of banking offices 16
Western New York  
Segment Reporting Information [Line Items]  
Nature of operations, number of offices | office 4
v3.25.2
Segment and Related Information - Schedule of Segment and Related Information (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]                
Interest income $ 93,646 $ 85,240 $ 183,108 $ 168,423        
Interest expense 33,516 34,287 66,316 66,795        
Net Interest Income 60,130 50,953 116,792 101,628        
Provision for credit loss expense 2,780 2,172 8,067 3,026        
Noninterest income 22,512 21,776 47,544 43,913        
Noninterest expense 51,623 49,942 102,230 99,799        
Income before income tax expense 28,239 20,615 54,039 42,716        
Income tax expense 6,768 4,902 12,889 10,100        
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation 21,471 15,713 41,150 32,616        
Less: Net income attributable to noncontrolling interests 0 31 0 62        
Net Income Attributable to Tompkins Financial Corporation 21,471 15,682 41,150 32,554        
Depreciation and amortization 2,058 2,604 4,253 5,610        
Assets 8,373,818 7,869,522 8,373,818 7,869,522   $ 8,109,080    
Goodwill 92,602 92,602 92,602 92,602   92,602    
Other intangibles, net 2,237 2,193 2,237 2,193   2,203    
Net loans and leases 6,114,099 5,708,805 6,114,099 5,708,805   5,963,426    
Deposits 6,715,795 6,285,896 6,715,795 6,285,896   6,471,805    
Total Equity 761,793 676,093 761,793 676,093 $ 741,377 $ 713,444 $ 669,338 $ 669,934
Operating Segments | Banking                
Segment Reporting Information [Line Items]                
Interest income 93,646 85,240 183,108 168,423        
Interest expense 33,517 34,288 66,317 66,797        
Net Interest Income 60,129 50,952 116,791 101,626        
Provision for credit loss expense 2,780 2,172 8,067 3,026        
Noninterest income 7,617 7,822 16,263 14,933        
Noninterest expense 40,441 39,662 80,136 79,025        
Income before income tax expense 24,525 16,940 44,851 34,508        
Income tax expense 5,831 3,938 10,473 7,924        
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation   13,002   26,584        
Less: Net income attributable to noncontrolling interests   31   62        
Net Income Attributable to Tompkins Financial Corporation 18,694 12,971 34,378 26,522        
Depreciation and amortization 1,978 2,522 4,084 5,444        
Assets 8,319,441 7,810,792 8,319,441 7,810,792        
Goodwill 64,525 64,525 64,525 64,525        
Other intangibles, net 1,367 978 1,367 978        
Net loans and leases 6,114,099 5,708,805 6,114,099 5,708,805        
Deposits 6,734,658 6,312,911 6,734,658 6,312,911        
Total Equity 701,907 605,109 701,907 605,109        
Operating Segments | Insurance                
Segment Reporting Information [Line Items]                
Interest income 1 1 1 2        
Interest expense 0 0 0 0        
Net Interest Income 1 1 1 2        
Provision for credit loss expense 0 0 0 0        
Noninterest income 9,901 9,220 21,604 19,746        
Noninterest expense 7,729 7,086 15,054 14,313        
Income before income tax expense 2,173 2,135 6,551 5,435        
Income tax expense 552 582 1,757 1,489        
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation   1,553   3,946        
Less: Net income attributable to noncontrolling interests   0   0        
Net Income Attributable to Tompkins Financial Corporation 1,621 1,553 4,794 3,946        
Depreciation and amortization 36 41 82 84        
Assets 49,305 48,840 49,305 48,840        
Goodwill 19,867 19,866 19,867 19,866        
Other intangibles, net 854 1,186 854 1,186        
Net loans and leases 0 0 0 0        
Deposits 0 0 0 0        
Total Equity 33,248 37,055 33,248 37,055        
Operating Segments | Wealth Management                
Segment Reporting Information [Line Items]                
Interest income 0 0 0 0        
Interest expense 0 0 0 0        
Net Interest Income 0 0 0 0        
Provision for credit loss expense 0 0 0 0        
Noninterest income 5,541 5,261 10,754 10,300        
Noninterest expense 4,000 3,721 8,117 7,527        
Income before income tax expense 1,541 1,540 2,637 2,773        
Income tax expense 385 382 659 687        
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation   1,158   2,086        
Less: Net income attributable to noncontrolling interests   0   0        
Net Income Attributable to Tompkins Financial Corporation 1,156 1,158 1,978 2,086        
Depreciation and amortization 44 41 87 82        
Assets 29,087 29,404 29,087 29,404        
Goodwill 8,211 8,211 8,211 8,211        
Other intangibles, net 16 29 16 29        
Net loans and leases 0 0 0 0        
Deposits 0 0 0 0        
Total Equity 26,638 33,929 26,638 33,929        
Intercompany                
Segment Reporting Information [Line Items]                
Interest income (1) (1) (1) (2)        
Interest expense (1) (1) (1) (2)        
Net Interest Income 0 0 0 0        
Provision for credit loss expense 0 0 0 0        
Noninterest income (547) (527) (1,077) (1,066)        
Noninterest expense (547) (527) (1,077) (1,066)        
Income before income tax expense 0 0 0 0        
Income tax expense 0 0 0 0        
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation   0   0        
Less: Net income attributable to noncontrolling interests   0   0        
Net Income Attributable to Tompkins Financial Corporation 0 0 0 0        
Depreciation and amortization 0 0 0 0        
Assets (24,015) (19,514) (24,015) (19,514)        
Goodwill (1) 0 (1) 0        
Other intangibles, net 0 0 0 0        
Net loans and leases 0 0 0 0        
Deposits (18,863) (27,015) (18,863) (27,015)        
Total Equity $ 0 $ 0 $ 0 $ 0        
v3.25.2
Fair Value Measurements - Schedule of Financial Assets and Financial Liabilities Measured at Fair Value on Recurring Basis (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Assets    
Equity securities, at fair value $ 784 $ 768
Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 350 864
Derivatives not designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 4,554 1,831
Liabilities    
Derivatives not designated as hedging instruments 5,034 2,073
Recurring | (Level 1) | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments   0
Recurring | (Level 2) | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments   864
Recurring | (Level 3) | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments   0
Recurring | Fair Value    
Assets    
Total Available-for-sale debt securities 1,275,370 1,231,532
Equity securities, at fair value 784 768
Liabilities    
Derivatives not designated as hedging instruments 5,034 2,073
Recurring | Fair Value | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 350 864
Recurring | Fair Value | Derivatives not designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 4,554 1,831
Recurring | Fair Value | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Equity securities, at fair value 0 0
Liabilities    
Derivatives not designated as hedging instruments 0 0
Recurring | Fair Value | (Level 1) | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 0  
Recurring | Fair Value | (Level 1) | Derivatives not designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 0 0
Recurring | Fair Value | (Level 2)    
Assets    
Total Available-for-sale debt securities 1,275,370 1,231,532
Equity securities, at fair value 0 0
Liabilities    
Derivatives not designated as hedging instruments 5,034 2,073
Recurring | Fair Value | (Level 2) | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 350  
Recurring | Fair Value | (Level 2) | Derivatives not designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 4,554 1,831
Recurring | Fair Value | (Level 3)    
Assets    
Total Available-for-sale debt securities 0 0
Equity securities, at fair value 784 768
Liabilities    
Derivatives not designated as hedging instruments 0 0
Recurring | Fair Value | (Level 3) | Derivatives designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 0  
Recurring | Fair Value | (Level 3) | Derivatives not designated as hedging instruments    
Assets    
Derivatives designated and not designated as hedging instruments 0 0
Recurring | Fair Value | U.S. Treasuries    
Assets    
Total Available-for-sale debt securities 53,060 71,497
Recurring | Fair Value | U.S. Treasuries | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. Treasuries | (Level 2)    
Assets    
Total Available-for-sale debt securities 53,060 71,497
Recurring | Fair Value | U.S. Treasuries | (Level 3)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | Obligations of U.S. Government sponsored entities    
Assets    
Total Available-for-sale debt securities 383,939 380,280
Recurring | Fair Value | Obligations of U.S. Government sponsored entities | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | Obligations of U.S. Government sponsored entities | (Level 2)    
Assets    
Total Available-for-sale debt securities 383,939 380,280
Recurring | Fair Value | Obligations of U.S. Government sponsored entities | (Level 3)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | Obligations of U.S. states and political subdivisions    
Assets    
Total Available-for-sale debt securities 76,111 77,694
Recurring | Fair Value | Obligations of U.S. states and political subdivisions | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | Obligations of U.S. states and political subdivisions | (Level 2)    
Assets    
Total Available-for-sale debt securities 76,111 77,694
Recurring | Fair Value | Obligations of U.S. states and political subdivisions | (Level 3)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. Government agencies    
Assets    
Total Available-for-sale debt securities 88,724 63,254
Recurring | Fair Value | U.S. Government agencies | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. Government agencies | (Level 2)    
Assets    
Total Available-for-sale debt securities 88,724 63,254
Recurring | Fair Value | U.S. Government agencies | (Level 3)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. Government sponsored entities    
Assets    
Total Available-for-sale debt securities 671,091 636,360
Recurring | Fair Value | U.S. Government sponsored entities | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. Government sponsored entities | (Level 2)    
Assets    
Total Available-for-sale debt securities 671,091 636,360
Recurring | Fair Value | U.S. Government sponsored entities | (Level 3)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. corporate debt securities    
Assets    
Total Available-for-sale debt securities 2,445 2,447
Recurring | Fair Value | U.S. corporate debt securities | (Level 1)    
Assets    
Total Available-for-sale debt securities 0 0
Recurring | Fair Value | U.S. corporate debt securities | (Level 2)    
Assets    
Total Available-for-sale debt securities 2,445 2,447
Recurring | Fair Value | U.S. corporate debt securities | (Level 3)    
Assets    
Total Available-for-sale debt securities $ 0 $ 0
v3.25.2
Fair Value Measurements - Schedule of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Non-Recurring - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Individually evaluated loans $ 0 $ 2,254 $ 29,914 $ 3,501
Gain (losses) from fair value changes, individually evaluated loans (4,711) 0 (4,711) 0
Other real estate owned   80 0 80
Gain (losses) from fair value changes, other real estate owned   0 1,898 43
Quoted prices in active markets for identical assets (Level 1)        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Individually evaluated loans 0 0 0 0
Other real estate owned   0 0 0
Significant other observable inputs (Level 2)        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Individually evaluated loans 0 0 0 0
Other real estate owned   0 0 0
Significant unobservable inputs (Level 3)        
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]        
Individually evaluated loans $ 0 2,254 29,914 3,501
Other real estate owned   $ 80 $ 0 $ 80
v3.25.2
Fair Value Measurements - Narrative (Details)
Jun. 30, 2025
Minimum  
Fair Value, Option, Quantitative Disclosures [Line Items]  
Selling and closing costs as percentage of appraised value 5.00%
Maximum  
Fair Value, Option, Quantitative Disclosures [Line Items]  
Selling and closing costs as percentage of appraised value 8.00%
v3.25.2
Fair Value Measurements - Schedule of Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Financial Assets:    
Securities - held-to-maturity $ 278,948 $ 267,295
FHLB stock and other stock 37,129 42,255
Financial Liabilities:    
Time deposits 1,225,941 1,068,375
Fed funds purchased and securities sold under agreements to repurchase 127,111 37,036
Other borrowings 672,696 790,247
(Level 1)    
Financial Assets:    
Cash and cash equivalents 212,551 134,398
Securities - held-to-maturity 0 0
FHLB stock and other stock 0 0
Accrued interest receivable 0 0
Loans/leases, net 0 0
Financial Liabilities:    
Time deposits 0 0
Other deposits 0 0
Fed funds purchased and securities sold under agreements to repurchase 0 0
Other borrowings 0 0
Accrued interest payable 0 0
(Level 2)    
Financial Assets:    
Cash and cash equivalents 0 0
Securities - held-to-maturity 278,948 267,295
FHLB stock and other stock 37,129 42,255
Accrued interest receivable 30,604 28,823
Loans/leases, net 0 0
Financial Liabilities:    
Time deposits 1,221,919 1,064,548
Other deposits 5,489,854 5,403,430
Fed funds purchased and securities sold under agreements to repurchase 127,111 37,036
Other borrowings 673,303 789,915
Accrued interest payable 5,241 4,854
(Level 3)    
Financial Assets:    
Cash and cash equivalents 0 0
Securities - held-to-maturity 0 0
FHLB stock and other stock 0 0
Accrued interest receivable 0 0
Loans/leases, net 5,810,384 5,584,661
Financial Liabilities:    
Time deposits 0 0
Other deposits 0 0
Fed funds purchased and securities sold under agreements to repurchase 0 0
Other borrowings 0 0
Accrued interest payable 0 0
Carrying Amount    
Financial Assets:    
Cash and cash equivalents 212,551 134,398
Securities - held-to-maturity 312,493 312,462
FHLB stock and other stock 37,129 42,255
Accrued interest receivable 30,604 28,823
Loans/leases, net 6,114,099 5,963,426
Financial Liabilities:    
Time deposits 1,225,941 1,068,375
Other deposits 5,489,854 5,403,430
Fed funds purchased and securities sold under agreements to repurchase 127,111 37,036
Other borrowings 672,696 790,247
Accrued interest payable 5,241 4,854
Fair Value    
Financial Assets:    
Cash and cash equivalents 212,551 134,398
Securities - held-to-maturity 278,948 267,295
FHLB stock and other stock 37,129 42,255
Accrued interest receivable 30,604 28,823
Loans/leases, net 5,810,384 5,584,661
Financial Liabilities:    
Time deposits 1,221,919 1,064,548
Other deposits 5,489,854 5,403,430
Fed funds purchased and securities sold under agreements to repurchase 127,111 37,036
Other borrowings 673,303 789,915
Accrued interest payable $ 5,241 $ 4,854
v3.25.2
Derivatives and Hedging Activities - Narrative (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Fair value of derivatives in a net liability position $ 4,900 $ 1,300
Collateral posted from counterparty 4,500 260
Interest Rate Hedge Counterparty    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Collateral posted from counterparty 0 890
Interest Rate Products | Derivatives designated as hedging instruments    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Derivative assets, notional amount $ 100,000 $ 150,000
v3.25.2
Derivatives and Hedging Activities - Schedule of Cumulative Basis Adjustment For Fair Value Hedges (Details) - USD ($)
$ in Thousands
 6 Months Ended 12 Months Ended
Jun. 30, 2025
Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Hedged Asset, Statement Of Financial Position Extensible Enumeration, Not Disclosed Flag balance sheet balance sheet
Carrying Amount of the Hedged Assets/(Liabilities) $ 99,672 $ 149,175
Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) (328) (825)
Amortized cost basis of the closed portfolios used in these hedging relationships 688,300 711,000
Designated hedged items, amount 100,000 150,000
Fixed Rate Loans    
Derivative Instruments and Hedging Activities Disclosures [Line Items]    
Carrying Amount of the Hedged Assets/(Liabilities) 99,672 149,175
Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) $ (328) $ (825)
v3.25.2
Derivatives and Hedging Activities - Schedule of Fair Values of Derivative Instruments on the Consolidated Statements of Condition (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Derivatives designated as hedging instruments    
Derivatives, Fair Value [Line Items]    
Derivative assets, fair value $ 350 $ 864
Derivatives not designated as hedging instruments    
Derivatives, Fair Value [Line Items]    
Derivative assets, fair value 4,554 1,831
Derivative liabilities, fair value 5,034 2,073
Interest Rate Products | Derivatives designated as hedging instruments    
Derivatives, Fair Value [Line Items]    
Derivative assets, notional amount 100,000 150,000
Derivative assets, fair value 350 864
Interest Rate Products | Derivatives not designated as hedging instruments    
Derivatives, Fair Value [Line Items]    
Derivative assets, notional amount 193,867 175,865
Derivative assets, fair value 4,554 1,831
Derivative liabilities, notional amount 193,867 178,646
Derivative liabilities, fair value 4,906 1,990
Risk Participation Agreement | Derivatives not designated as hedging instruments    
Derivatives, Fair Value [Line Items]    
Derivative assets, notional amount 0 0
Derivative assets, fair value 0 0
Derivative liabilities, notional amount 61,227 44,387
Derivative liabilities, fair value $ 128 $ 83
v3.25.2
Derivatives and Hedging Activities - Schedule of Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income (Details) - Interest Rate Products - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Gain or (loss) on fair value hedging relationships in Subtopic 815-20        
Hedged items $ 158 $ 153 $ 498 $ (1,013)
Derivatives designated as hedging instruments 89 520 42 2,348
Interest Income        
Derivative Instruments and Hedging Activities Disclosures [Line Items]        
Total amounts of income and expense line items presented in the statement of financial performance in which the effects of fair value or cash flow hedges are recorded $ 247 $ 673 $ 540 $ 1,335
v3.25.2
Derivatives and Hedging Activities - Schedule of Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivative $ (73) $ 6 $ (160) $ 115
Other Income        
Derivative Instruments, Gain (Loss) [Line Items]        
Fee Income 228 144 257 383
Interest Rate Products | Other Income        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivative (82) 0 (194) 37
Risk Participation Agreement | Other Income        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivative $ 9 $ 6 $ 34 $ 78