v3.25.4
INCOME TAXES - Reconciliation of Income Tax (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
INCOME TAXES      
Expected provision $ 6,015 $ 6,693 $ 6,401
State income tax, net of Federal benefit 269 297 329
Tax-exempt interest income (978) (964) (964)
Increase in cash surrender value and other income from life insurance, net (398) (369) (586)
ESOP Dividends (150) (144) (143)
Initiated surrender of bank-owned life insurance 0 0 950
Nondeductible interest expense 322 368 283
Other, net 136 32 65
Total provision $ 5,216 $ 5,913 $ 6,335
Expected provision 21.00% 21.00% 21.00%
Tax-exempt interest income, percentage 3.40% 3.00% 3.20%
Increase in cash surrender value and other income from life insurance, net, percentage (1.40%) (1.20%) (1.90%)
ESOP Dividends, percentage (0.50%) (0.50%) (0.50%)
Initiated surrender of bank-owned life insurance percentage 0.00% 0.00% 3.10%
State income tax, net of federal benefit, percentage 0.90% 0.90% 1.10%
Nondeductible interest expense, percentage 1.10% 1.30% 0.90%
Other, net, percentage 0.50% 0.10% 0.30%
Effective income tax provision, percentage 18.20% 18.60% 20.80%