LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loan portfolio summarized by risk rating and year of origination and year-to-date gross charge-offs (Details) - USD ($) |
3 Months Ended | 6 Months Ended | 12 Months Ended | ||
|---|---|---|---|---|---|
Jun. 30, 2025 |
Jun. 30, 2024 |
Jun. 30, 2025 |
Jun. 30, 2024 |
Dec. 31, 2024 |
|
| Loans | |||||
| 2025/2024 | $ 61,943,000 | $ 61,943,000 | $ 115,236,000 | ||
| 2024/2023 | 111,984,000 | 111,984,000 | 133,644,000 | ||
| 2023/2022 | 128,240,000 | 128,240,000 | 184,275,000 | ||
| 2022/2021 | 171,718,000 | 171,718,000 | 138,658,000 | ||
| 2021/2020 | 133,112,000 | 133,112,000 | 109,010,000 | ||
| Prior | 351,938,000 | 351,938,000 | 266,003,000 | ||
| Financing Receivable, Total | 958,935,000 | 958,935,000 | 946,826,000 | ||
| Gross Charge Offs: | |||||
| 2024/2023 | 15,000 | ||||
| 2023/2022 | 423,000 | 29,000 | |||
| 2022/2021 | 2,000 | 31,000 | |||
| 2021/2020 | 8,000 | ||||
| Prior | 16,000 | 855,000 | |||
| Total Gross Charge Offs | 70,000 | $ 21,000 | 441,000 | $ 33,000 | 938,000 |
| Pass | |||||
| Loans | |||||
| 2025/2024 | 61,200,000 | 61,200,000 | 115,236,000 | ||
| 2024/2023 | 111,984,000 | 111,984,000 | 133,224,000 | ||
| 2023/2022 | 128,213,000 | 128,213,000 | 179,670,000 | ||
| 2022/2021 | 167,082,000 | 167,082,000 | 137,865,000 | ||
| 2021/2020 | 132,339,000 | 132,339,000 | 104,905,000 | ||
| Prior | 331,163,000 | 331,163,000 | 248,092,000 | ||
| Financing Receivable, Total | 931,981,000 | 931,981,000 | 918,992,000 | ||
| Special Mention | |||||
| Loans | |||||
| 2025/2024 | 743,000 | 743,000 | |||
| 2023/2022 | 76,000 | ||||
| 2022/2021 | 62,000 | 62,000 | 225,000 | ||
| 2021/2020 | 225,000 | 225,000 | |||
| Prior | 1,201,000 | 1,201,000 | 1,239,000 | ||
| Financing Receivable, Total | 2,231,000 | 2,231,000 | 1,540,000 | ||
| Substandard | |||||
| Loans | |||||
| 2024/2023 | 420,000 | ||||
| 2023/2022 | 27,000 | 27,000 | 4,529,000 | ||
| 2022/2021 | 4,574,000 | 4,574,000 | 568,000 | ||
| 2021/2020 | 548,000 | 548,000 | 4,105,000 | ||
| Prior | 19,574,000 | 19,574,000 | 16,672,000 | ||
| Financing Receivable, Total | 24,723,000 | 24,723,000 | 26,294,000 | ||
| Real Estate | |||||
| Loans | |||||
| 2025/2024 | 56,569,000 | 56,569,000 | 103,734,000 | ||
| 2024/2023 | 101,839,000 | 101,839,000 | 114,225,000 | ||
| 2023/2022 | 109,427,000 | 109,427,000 | 171,887,000 | ||
| 2022/2021 | 161,352,000 | 161,352,000 | 120,199,000 | ||
| 2021/2020 | 115,438,000 | 115,438,000 | 105,841,000 | ||
| Prior | 319,983,000 | 319,983,000 | 234,770,000 | ||
| Financing Receivable, Total | 864,608,000 | 864,608,000 | 850,656,000 | ||
| Gross Charge Offs: | |||||
| 2023/2022 | 10,000 | ||||
| Prior | 7,000 | 345,000 | |||
| Total Gross Charge Offs | 17,000 | 17,000 | 345,000 | ||
| Real Estate | Pass | |||||
| Loans | |||||
| 2025/2024 | 55,826,000 | 55,826,000 | 103,734,000 | ||
| 2024/2023 | 101,839,000 | 101,839,000 | 114,225,000 | ||
| 2023/2022 | 109,427,000 | 109,427,000 | 167,282,000 | ||
| 2022/2021 | 156,716,000 | 156,716,000 | 119,406,000 | ||
| 2021/2020 | 114,665,000 | 114,665,000 | 101,748,000 | ||
| Prior | 299,225,000 | 299,225,000 | 216,890,000 | ||
| Financing Receivable, Total | 837,698,000 | 837,698,000 | 823,285,000 | ||
| Real Estate | Special Mention | |||||
| Loans | |||||
| 2025/2024 | 743,000 | 743,000 | |||
| 2023/2022 | 76,000 | ||||
| 2022/2021 | 62,000 | 62,000 | 225,000 | ||
| 2021/2020 | 225,000 | 225,000 | |||
| Prior | 1,201,000 | 1,201,000 | 1,239,000 | ||
| Financing Receivable, Total | 2,231,000 | 2,231,000 | 1,540,000 | ||
| Real Estate | Substandard | |||||
| Loans | |||||
| 2023/2022 | 4,529,000 | ||||
| 2022/2021 | 4,574,000 | 4,574,000 | 568,000 | ||
| 2021/2020 | 548,000 | 548,000 | 4,093,000 | ||
| Prior | 19,557,000 | 19,557,000 | 16,641,000 | ||
| Financing Receivable, Total | 24,679,000 | 24,679,000 | 25,831,000 | ||
| Agricultural | |||||
| Loans | |||||
| 2025/2024 | 28,000 | 28,000 | 59,000 | ||
| 2024/2023 | 231,000 | 231,000 | 223,000 | ||
| 2023/2022 | 165,000 | 165,000 | 43,000 | ||
| 2022/2021 | 33,000 | 33,000 | |||
| Prior | 651,000 | 651,000 | 611,000 | ||
| Financing Receivable, Total | 1,108,000 | 1,108,000 | 936,000 | ||
| Agricultural | Pass | |||||
| Loans | |||||
| 2025/2024 | 28,000 | 28,000 | 59,000 | ||
| 2024/2023 | 231,000 | 231,000 | 223,000 | ||
| 2023/2022 | 165,000 | 165,000 | 43,000 | ||
| 2022/2021 | 33,000 | 33,000 | |||
| Prior | 651,000 | 651,000 | 611,000 | ||
| Financing Receivable, Total | 1,108,000 | 1,108,000 | 936,000 | ||
| Commercial and Industrial | |||||
| Loans | |||||
| 2025/2024 | 3,981,000 | 3,981,000 | 8,481,000 | ||
| 2024/2023 | 7,553,000 | 7,553,000 | 16,672,000 | ||
| 2023/2022 | 16,533,000 | 16,533,000 | 8,888,000 | ||
| 2022/2021 | 7,087,000 | 7,087,000 | 4,544,000 | ||
| 2021/2020 | 3,895,000 | 3,895,000 | 3,098,000 | ||
| Prior | 25,859,000 | 25,859,000 | 25,023,000 | ||
| Financing Receivable, Total | 64,908,000 | 64,908,000 | 66,706,000 | ||
| Gross Charge Offs: | |||||
| 2023/2022 | 406,000 | ||||
| 2022/2021 | 20,000 | ||||
| Prior | 504,000 | ||||
| Total Gross Charge Offs | 45,000 | 406,000 | 524,000 | ||
| Commercial and Industrial | Pass | |||||
| Loans | |||||
| 2025/2024 | 3,981,000 | 3,981,000 | 8,481,000 | ||
| 2024/2023 | 7,553,000 | 7,553,000 | 16,252,000 | ||
| 2023/2022 | 16,506,000 | 16,506,000 | 8,888,000 | ||
| 2022/2021 | 7,087,000 | 7,087,000 | 4,544,000 | ||
| 2021/2020 | 3,895,000 | 3,895,000 | 3,086,000 | ||
| Prior | 25,852,000 | 25,852,000 | 24,998,000 | ||
| Financing Receivable, Total | 64,874,000 | 64,874,000 | 66,249,000 | ||
| Commercial and Industrial | Substandard | |||||
| Loans | |||||
| 2024/2023 | 420,000 | ||||
| 2023/2022 | 27,000 | 27,000 | |||
| 2021/2020 | 12,000 | ||||
| Prior | 7,000 | 7,000 | 25,000 | ||
| Financing Receivable, Total | 34,000 | 34,000 | 457,000 | ||
| Consumer | |||||
| Loans | |||||
| 2025/2024 | 1,298,000 | 1,298,000 | 2,962,000 | ||
| 2024/2023 | 2,361,000 | 2,361,000 | 1,292,000 | ||
| 2023/2022 | 914,000 | 914,000 | 718,000 | ||
| 2022/2021 | 507,000 | 507,000 | 577,000 | ||
| 2021/2020 | 441,000 | 441,000 | 71,000 | ||
| Prior | 774,000 | 774,000 | 770,000 | ||
| Financing Receivable, Total | 6,295,000 | 6,295,000 | 6,390,000 | ||
| Gross Charge Offs: | |||||
| 2024/2023 | 15,000 | ||||
| 2023/2022 | 7,000 | 29,000 | |||
| 2022/2021 | 11,000 | ||||
| 2021/2020 | 2,000 | 8,000 | |||
| Prior | 9,000 | 6,000 | |||
| Total Gross Charge Offs | 8,000 | $ 21,000 | 18,000 | $ 33,000 | 69,000 |
| Consumer | Pass | |||||
| Loans | |||||
| 2025/2024 | 1,298,000 | 1,298,000 | 2,962,000 | ||
| 2024/2023 | 2,361,000 | 2,361,000 | 1,292,000 | ||
| 2023/2022 | 914,000 | 914,000 | 718,000 | ||
| 2022/2021 | 507,000 | 507,000 | 577,000 | ||
| 2021/2020 | 441,000 | 441,000 | 71,000 | ||
| Prior | 764,000 | 764,000 | 764,000 | ||
| Financing Receivable, Total | 6,285,000 | 6,285,000 | 6,384,000 | ||
| Consumer | Substandard | |||||
| Loans | |||||
| Prior | 10,000 | 10,000 | 6,000 | ||
| Financing Receivable, Total | 10,000 | 10,000 | 6,000 | ||
| State and Political Subdivisions | |||||
| Loans | |||||
| 2025/2024 | 67,000 | 67,000 | |||
| 2024/2023 | 1,232,000 | ||||
| 2023/2022 | 1,201,000 | 1,201,000 | 2,739,000 | ||
| 2022/2021 | 2,739,000 | 2,739,000 | 13,338,000 | ||
| 2021/2020 | 13,338,000 | 13,338,000 | |||
| Prior | 4,671,000 | 4,671,000 | 4,829,000 | ||
| Financing Receivable, Total | 22,016,000 | 22,016,000 | 22,138,000 | ||
| State and Political Subdivisions | Pass | |||||
| Loans | |||||
| 2025/2024 | 67,000 | 67,000 | |||
| 2024/2023 | 1,232,000 | ||||
| 2023/2022 | 1,201,000 | 1,201,000 | 2,739,000 | ||
| 2022/2021 | 2,739,000 | 2,739,000 | 13,338,000 | ||
| 2021/2020 | 13,338,000 | 13,338,000 | |||
| Prior | 4,671,000 | 4,671,000 | 4,829,000 | ||
| Financing Receivable, Total | $ 22,016,000 | $ 22,016,000 | $ 22,138,000 | ||