v3.25.4
LOANS - Narrative (Details)
12 Months Ended
Dec. 31, 2025
USD ($)
loan
PSARate
payment
qtr
Dec. 31, 2024
USD ($)
loan
PSARate
Dec. 31, 2023
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Deferred loan costs $ 22,700,000 $ 24,400,000  
Proceeds from sale of loans held-for-investment 22,594,000 20,780,000 $ 56,561,000
Net gains on mortgage loans 6,780,000 6,579,000 7,436,000
Accrued Interest 800,000 300,000 300,000
Interest income $ 0 $ 0 0
Troubled loan modification, term increase 12 years 7 years 1 month 6 days  
Number of contracts | loan 1 0  
Troubled loan modifications, non-accrual, amount $ 70,000.00    
Past due period for modified loans 90 days    
Number of consecutive payments for mortgage loans missed | payment 4    
Custodial deposit accounts $ 26,200,000 $ 29,400,000  
Maximum number of consecutive quarterly losses recorded for profitability requirement | qtr 4    
Percentage of decline in net worth during the period 30.00%    
Maximum percentage of decline in net worth for one consecutive quarter 25.00%    
Maximum percentage of decline in net worth for two consecutive quarters 40.00%    
Average coupon rate 4.52% 4.13%  
Average servicing fee 0.26% 0.26%  
Average discount rate 9.94% 10.37%  
Average PSA rate | PSARate 160 125  
Fixed Rate Residential Mortgage      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Proceeds from sale of loans held-for-investment $ 22,200,000 $ 20,800,000  
Net gains on mortgage loans 410,000 $ 420,000  
Residential Adjustable Rate Mortgage | Mortgage      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Proceeds from sale of loans held-for-investment     56,700,000
Net gains on mortgage loans     $ (140,000)
1-4 family owner occupied - non-jumbo | Mortgage      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Troubled loan modification $ 100,000    
Troubled loan modifications to total loans, percentage 0.10%    
Modification, number of loans | loan 2 5  
Troubled loan modification, amount   $ 510,000  
Troubled loan modifications to total loans, percentage   0.001  
1-4 family owner occupied - non-jumbo | Mortgage | Contractual Interest Rate Reduction      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Modification, number of loans | loan   1  
Modification, nonaccrual, number of loans | loan 1    
Troubled loan modification, interest rate reduction, percent 4.75% 3.625%  
1-4 family - 2nd lien | Mortgage      
Accounts, Notes, Loans and Financing Receivable [Line Items]      
Modification, number of loans | loan   1  
Troubled loan modification, amount   $ 70,000.00  
Troubled loan modifications to total loans, percentage   0.001