LOANS AND ALLOWANCE FOR CREDIT LOSSES - Additional Information (Details) |
3 Months Ended | 6 Months Ended | 12 Months Ended | |||||||||||
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Jun. 30, 2025
USD ($)
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Jun. 30, 2025
USD ($)
contract
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Jun. 30, 2025
USD ($)
loan
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Jun. 30, 2024
USD ($)
loan
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Jun. 30, 2025
USD ($)
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Jun. 30, 2025
USD ($)
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Jun. 30, 2025
USD ($)
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Jun. 30, 2025
USD ($)
contract
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Jun. 30, 2025
USD ($)
loan
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Jun. 30, 2024
USD ($)
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Jun. 30, 2024
USD ($)
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Jun. 30, 2024
USD ($)
contract
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Jun. 30, 2024
USD ($)
loan
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Dec. 31, 2024
USD ($)
loan
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Loans Receivable Held-for-sale, Amount | $ 104,000 | $ 104,000 | $ 104,000 | $ 104,000 | $ 104,000 | $ 104,000 | $ 104,000 | $ 104,000 | $ 737,000 | |||||
Unpaid principal balance | 958,935,000 | 958,935,000 | 958,935,000 | $ 921,124,000 | $ 958,935,000 | 958,935,000 | 958,935,000 | 958,935,000 | 958,935,000 | $ 921,124,000 | $ 921,124,000 | $ 921,124,000 | $ 921,124,000 | 946,826,000 |
Loan payments of delinquency period | 10 days | |||||||||||||
Delinquency notice is automatically generated | 10 or 15 | |||||||||||||
Loan Payments, Delinquency Period, Beyond Which Loans are Considered Non-Accrual | 90 days | |||||||||||||
Reserve for unfunded lending commitments | 97,000 | 97,000 | 97,000 | $ 196,000 | $ 97,000 | 97,000 | 97,000 | 97,000 | 97,000 | $ 196,000 | 196,000 | $ 196,000 | $ 196,000 | |
Accrued interest exclude from the amortized cost basis of loans | 2,589,000 | $ 2,589,000 | $ 2,589,000 | $ 2,589,000 | 2,589,000 | 2,589,000 | $ 2,589,000 | $ 2,589,000 | $ 2,575,000 | |||||
Number of contracts | 1 | 1 | 1 | 1 | 1 | 1 | 0 | |||||||
Modified value of TDR | 107,000 | 107,000 | 9,455,000 | |||||||||||
Period of interest only payments | 11 months | 6 months | ||||||||||||
Recorded Investment | 107,000 | 107,000 | $ 9,455,000 | $ 10,193,000 | ||||||||||
Financing receivable modifications unfunded commitments | 0 | 0 | ||||||||||||
Financing Receivable, Modifications, Recorded Investment | 107,000 | $ 107,000 | $ 107,000 | $ 107,000 | 107,000 | 107,000 | $ 107,000 | $ 107,000 | 10,193,000 | |||||
Loan carrying a post modification recorded investment, paid current | 120,000 | 120,000 | 120,000 | 120,000 | 120,000 | 120,000 | 120,000 | $ 120,000 | ||||||
Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | 0 | 3 | 1 | 0 | ||||||||||
Number of financing receivable contracts modified | loan | 1 | |||||||||||||
Financing Receivable, Modifications, Subsequent Default, Recorded Investment | 421,000 | 421,000 | ||||||||||||
Foreclosed Assets Held For Resale | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $ 0 | 0 | |||||
Consumer mortgage loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
GGLs | ||||||||||||||
Unpaid principal balance | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 4,306,000 | |||||
Unfunded Loan Commitment | ||||||||||||||
Reserve for unfunded lending commitments | 97,000 | 97,000 | $ 97,000 | 97,000 | 97,000 | 97,000 | 97,000 | $ 97,000 | 102,000 | |||||
Payment Modification | ||||||||||||||
Number of contracts | loan | 1 | 1 | 1 | |||||||||||
Commercial and Industrial | ||||||||||||||
Unpaid principal balance | 64,908,000 | 64,908,000 | $ 64,908,000 | $ 64,543,000 | 64,908,000 | 64,908,000 | 64,908,000 | 64,908,000 | $ 64,908,000 | $ 64,543,000 | $ 64,543,000 | $ 64,543,000 | $ 64,543,000 | 66,706,000 |
Reserve for unfunded lending commitments | 20,000 | 20,000 | 20,000 | 36,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 36,000 | 36,000 | 36,000 | 36,000 | |
Financing Receivable, Modifications, Recorded Investment | 174,000 | |||||||||||||
Commercial and Industrial | GGLs | ||||||||||||||
Government Guaranteed Loans. | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 3,974,000 | 4,306,000 | |||||
Commercial and Industrial | Unfunded Loan Commitment | ||||||||||||||
Reserve for unfunded lending commitments | 17,000 | |||||||||||||
State and Political Subdivisions | ||||||||||||||
Unpaid principal balance | 22,016,000 | 22,016,000 | 22,016,000 | 26,069,000 | 22,016,000 | 22,016,000 | 22,016,000 | 22,016,000 | 22,016,000 | 26,069,000 | 26,069,000 | 26,069,000 | 26,069,000 | 22,138,000 |
Reserve for unfunded lending commitments | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |||||||||
Tax free loans | $ 22,016,000 | $ 22,016,000 | $ 22,016,000 | $ 22,016,000 | $ 22,016,000 | $ 22,016,000 | $ 22,016,000 | $ 22,016,000 | 22,138,000 | |||||
Commercial Real Estate | Maximum | ||||||||||||||
Term of loan offering | 20 years | |||||||||||||
Maximum loan to value ratio | 80.00% | |||||||||||||
Residential Real Estate | Residential Mortgage | ||||||||||||||
Maximum loan to value ratio | 80.00% | |||||||||||||
Loans held for sale term | 30 years | 30 years | 30 years | 30 years | 30 years | 30 years | 30 years | 30 years | ||||||
Maximum loan to value ratio with PMI | 95.00% | 95.00% | 95.00% | 95.00% | 95.00% | 95.00% | 95.00% | 95.00% | ||||||
Residential Real Estate | Residential Mortgage | Maximum | ||||||||||||||
Term of loan offering | 20 years | |||||||||||||
Loans held for sale term | 30 years | 30 years | 30 years | 30 years | 30 years | 30 years | 30 years | 30 years | ||||||
Residential Real Estate | Home Equity Loan | ||||||||||||||
Maximum loan to value ratio | 80.00% | |||||||||||||
Residential Real Estate | Home Equity Loan | Maximum | ||||||||||||||
Term of loan offering | 15 years | |||||||||||||
Residential Real Estate | Home Equity Line of Credit | ||||||||||||||
Maximum loan to value ratio | 80.00% | |||||||||||||
Residential Real Estate | Home Equity Line of Credit | Maximum | ||||||||||||||
Term of loan offering | 20 years | |||||||||||||
Consumer | ||||||||||||||
Unpaid principal balance | $ 6,295,000 | $ 6,295,000 | $ 6,295,000 | 6,181,000 | $ 6,295,000 | $ 6,295,000 | $ 6,295,000 | $ 6,295,000 | $ 6,295,000 | 6,181,000 | 6,181,000 | 6,181,000 | 6,181,000 | 6,390,000 |
Reserve for unfunded lending commitments | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | ||||||
Agricultural | ||||||||||||||
Unpaid principal balance | 1,108,000 | 1,108,000 | 1,108,000 | 987,000 | $ 1,108,000 | 1,108,000 | $ 1,108,000 | 1,108,000 | 1,108,000 | 987,000 | 987,000 | 987,000 | 987,000 | 936,000 |
Agricultural | Maximum | ||||||||||||||
Term of loan offering | 10 years | |||||||||||||
Maximum loan to value ratio | 70.00% | |||||||||||||
Real Estate | ||||||||||||||
Loans Receivable Held-for-sale, Amount | 104,000 | 104,000 | 104,000 | $ 104,000 | 104,000 | $ 104,000 | 104,000 | 104,000 | 737,000 | |||||
Unpaid principal balance | 864,608,000 | 864,608,000 | 864,608,000 | 823,344,000 | 864,608,000 | 864,608,000 | 864,608,000 | 864,608,000 | 864,608,000 | 823,344,000 | 823,344,000 | 823,344,000 | 823,344,000 | 850,656,000 |
Reserve for unfunded lending commitments | 75,000 | $ 75,000 | $ 75,000 | $ 159,000 | 75,000 | 75,000 | 75,000 | $ 75,000 | $ 75,000 | $ 159,000 | 159,000 | $ 159,000 | $ 159,000 | |
Number of contracts | 1 | 1 | 1 | 1 | 1 | 1 | ||||||||
Modified value of TDR | 107,000 | 107,000 | 9,455,000 | |||||||||||
Recorded Investment | 107,000 | 107,000 | $ 9,455,000 | |||||||||||
Financing Receivable, Modifications, Recorded Investment | $ 107,000 | $ 107,000 | $ 107,000 | $ 107,000 | $ 107,000 | $ 107,000 | $ 107,000 | $ 107,000 | 10,019,000 | |||||
Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan | 0 | |||||||||||||
Real Estate | Unfunded Loan Commitment | ||||||||||||||
Reserve for unfunded lending commitments | $ 85,000 | |||||||||||||
Real Estate | Payment Modification | ||||||||||||||
Number of contracts | loan | 1 | 1 | 1 |