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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details)
$ in Thousands
3 Months Ended 9 Months Ended
May 13, 2022
USD ($)
Dec. 31, 2021
USD ($)
Sep. 30, 2021
USD ($)
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Sep. 30, 2022
USD ($)
Sep. 30, 2021
USD ($)
Allowance for credit losses - loans              
Beginning Balance       $ 55,542 $ 51,750 $ 49,869 $ 60,869
Charge-offs       (2,688) (2,703) (6,991) (5,775)
Recoveries       2,330 1,353 5,711 4,636
PCD Allowance at Acquisition           71  
Provision       5,179 (901) 11,703 (10,231)
Ending Balance   $ 49,869 $ 49,499 60,363 49,499 60,363 49,499
Liabilities for off-balance-sheet credit exposures              
Beginning balance       1,223 762 803 1,489
Charge-offs       0 0 0 0
Recoveries       0 0 0 0
PCD allowance at acquisition         (43) 0  
Provision       (118)   302 (770)
Ending balance   $ 803 $ 719 $ 1,105 719 $ 1,105 719
Allowance for Credit Losses              
Allowance for credit losses to total loans ratio       0.71   0.71  
Provision for credit losses       $ 5,061 (944) $ 12,005 (11,001)
Basis points lower level   3 3        
Accrued interest and fees receivable       19,800   19,800  
Total allowance for credit losses              
Beginning balance       56,765 52,512 50,672 62,358
Charge-offs       (2,688) (2,703) (6,991) (5,775)
Recoveries       2,330 1,353 5,711 4,636
PCD Allowance at Acquisition           71  
Provision       5,061 (944) 12,005 (11,001)
Ending balance   $ 50,672 $ 50,218 61,468 50,218 61,468 50,218
Elmira Savings Bank              
Allowance for Credit Losses              
Provision for credit losses $ 3,900     3,900   3,900  
Commercial Portfolio Segment | Business lending              
Allowance for credit losses - loans              
Beginning Balance       23,241 25,302 22,995 30,072
Charge-offs       (495) (872) (650) (925)
Recoveries       755 204 1,249 586
PCD Allowance at Acquisition           71  
Provision       430 (2,315) 266 (7,414)
Ending Balance   22,995 22,319 23,931 22,319 23,931 22,319
Total allowance for credit losses              
Charge-offs       (495) (872) (650) (925)
Recoveries       755 204 1,249 586
PCD Allowance at Acquisition           71  
Residential Portfolio Segment | Consumer mortgage              
Allowance for credit losses - loans              
Beginning Balance       12,631 10,001 10,017 10,672
Charge-offs       (113) (127) (230) (369)
Recoveries       4 3 21 22
PCD Allowance at Acquisition           0  
Provision       1,296 (132) 4,010 (580)
Ending Balance   10,017 9,745 13,818 9,745 13,818 9,745
Total allowance for credit losses              
Charge-offs       (113) (127) (230) (369)
Recoveries       4 3 21 22
PCD Allowance at Acquisition           0  
Residential Portfolio Segment | Home equity              
Allowance for credit losses - loans              
Beginning Balance       1,470 1,796 1,814 2,222
Charge-offs       (32) (30) (69) (145)
Recoveries       11 10 132 19
PCD Allowance at Acquisition           0  
Provision       132 (56) (296) (376)
Ending Balance   1,814 1,720 1,581 1,720 1,581 1,720
Total allowance for credit losses              
Charge-offs       (32) (30) (69) (145)
Recoveries       11 10 132 19
PCD Allowance at Acquisition           0  
Consumer Portfolio Segment | Consumer indirect              
Allowance for credit losses - loans              
Beginning Balance       14,378 11,103 11,737 13,696
Charge-offs       (1,706) (1,365) (5,183) (3,514)
Recoveries       1,386 973 3,732 3,402
PCD Allowance at Acquisition           0  
Provision       2,960 1,334 6,732 (1,539)
Ending Balance   11,737 12,045 17,018 12,045 17,018 12,045
Total allowance for credit losses              
Charge-offs       (1,706) (1,365) (5,183) (3,514)
Recoveries       1,386 973 3,732 3,402
PCD Allowance at Acquisition           0  
Consumer Portfolio Segment | Consumer direct              
Allowance for credit losses - loans              
Beginning Balance       2,822 2,548 2,306 3,207
Charge-offs       (342) (309) (859) (822)
Recoveries       174 163 577 607
PCD Allowance at Acquisition           0  
Provision       361 268 991 (322)
Ending Balance   2,306 2,670 3,015 2,670 3,015 2,670
Total allowance for credit losses              
Charge-offs       (342) (309) (859) (822)
Recoveries       174 163 577 607
PCD Allowance at Acquisition           0  
Unallocated              
Allowance for credit losses - loans              
Beginning Balance       1,000 1,000 1,000 1,000
Charge-offs       0 0 0 0
Recoveries       0 0 0 0
PCD Allowance at Acquisition           0  
Provision       0 0 0 0
Ending Balance   $ 1,000 $ 1,000 1,000 1,000 1,000 1,000
Total allowance for credit losses              
Charge-offs       0 0 0 0
Recoveries       $ 0 $ 0 0 $ 0
PCD Allowance at Acquisition           $ 0