v3.25.2
LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES - Allowance by Loan Segment (Details) - USD ($)
6 Months Ended 12 Months Ended
Jun. 30, 2025
Dec. 31, 2024
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year $ 2,839,000 $ 2,157,000
Charge-offs (130,000) (384,000)
Recoveries 81,000 222,000
(Release) provision for credit losses (203,000) 844,000
Balance, end of year 2,587,000 2,839,000
Individually evaluated for impairment:    
Individually evaluated for impairment, Balance in allowance 0 139,000
Individually evaluated for impairment, Related loan balance   799,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 2,587,000 2,700,000
Collectively evaluated for impairment, Related loan balance 211,058,000 204,420,000
Real Estate Loan    
Individually evaluated for impairment:    
Individually evaluated for impairment, Balance in allowance   139,000
Real Estate Loan | Construction and Land    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 40,000 31,000
(Release) provision for credit losses (26,000) 9,000
Balance, end of year 14,000 40,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 14,000 40,000
Collectively evaluated for impairment, Related loan balance 4,626,000 8,882,000
Real Estate Loan | Farmland    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 16,000 18,000
(Release) provision for credit losses (2,000) (2,000)
Balance, end of year 14,000 16,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 14,000 16,000
Collectively evaluated for impairment, Related loan balance 311,000 315,000
Real Estate Loan | Single-family Residential    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 1,529,000 1,290,000
(Release) provision for credit losses (63,000) 239,000
Balance, end of year 1,466,000 1,529,000
Individually evaluated for impairment:    
Individually evaluated for impairment, Balance in allowance   18,000
Individually evaluated for impairment, Related loan balance   26,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 1,466,000 1,511,000
Collectively evaluated for impairment, Related loan balance 103,188,000 98,967,000
Real Estate Loan | Multi-family    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 224,000 96,000
(Release) provision for credit losses (121,000) 128,000
Balance, end of year 103,000 224,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 103,000 224,000
Collectively evaluated for impairment, Related loan balance 4,947,000 5,022,000
Real Estate Loan | Commercial    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 507,000 190,000
(Release) provision for credit losses (150,000) 317,000
Balance, end of year 357,000 507,000
Individually evaluated for impairment:    
Individually evaluated for impairment, Balance in allowance   121,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 357,000 507,000
Collectively evaluated for impairment, Related loan balance 49,766,000 48,726,000
Commercial and Industrial | Commercial and Industrial    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 272,000 304,000
Charge-offs   (299,000)
(Release) provision for credit losses 90,000 (32,000)
Balance, end of year 362,000 272,000
Individually evaluated for impairment:    
Individually evaluated for impairment, Balance in allowance   121,000
Individually evaluated for impairment, Related loan balance   773,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 362,000 151,000
Collectively evaluated for impairment, Related loan balance 19,012,000 15,932,000
Commercial and Industrial | SBA guaranty    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 38,000 21,000
Charge-offs   (299,000)
(Release) provision for credit losses (4,000) 316,000
Balance, end of year 34,000 38,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 34,000 38,000
Collectively evaluated for impairment, Related loan balance 5,078,000 5,691,000
Consumer Loans    
Financing Receivable, Allowance for Credit Losses    
Charge-offs (130,000) (85,000)
Consumer Loans | Consumer    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 45,000 30,000
Charge-offs   (18,000)
Recoveries   133,000
(Release) provision for credit losses (9,000) (100,000)
Balance, end of year 36,000 45,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 36,000 45,000
Collectively evaluated for impairment, Related loan balance 2,512,000 2,880,000
Consumer Loans | Automobile    
Financing Receivable, Allowance for Credit Losses    
Balance, beginning of year 168,000 177,000
Charge-offs (130,000) (67,000)
Recoveries 81,000 89,000
(Release) provision for credit losses 82,000 (31,000)
Balance, end of year 201,000 168,000
Collectively evaluated for impairment:    
Collectively evaluated for impairment, Balance in allowance 201,000 168,000
Collectively evaluated for impairment, Related loan balance $ 21,618,000 $ 18,005,000