00000001 - Document - Cover link:presentationLink link:calculationLink link:definitionLink 00000002 - Statement - CONSOLIDATED BALANCE SHEETS link:presentationLink link:calculationLink link:definitionLink 00000003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000004 - Statement - CONSOLIDATED STATEMENTS OF NET INCOME link:presentationLink link:calculationLink link:definitionLink 00000005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME link:presentationLink link:calculationLink link:definitionLink 00000006 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY link:presentationLink link:calculationLink link:definitionLink 00000008 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 00000009 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS link:presentationLink link:calculationLink link:definitionLink 999017 - Disclosure - Risk Management & Strategy. link:presentationLink link:calculationLink link:definitionLink 999018 - Disclosure - Governance. link:presentationLink link:calculationLink link:definitionLink 999019 - Disclosure - Opinion on the Consolidated Financial Statements link:presentationLink link:calculationLink link:definitionLink 999020 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES link:presentationLink link:calculationLink link:definitionLink 999021 - Disclosure - INVESTMENT SECURITIES link:presentationLink link:calculationLink link:definitionLink 999022 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES link:presentationLink link:calculationLink link:definitionLink 999023 - Disclosure - PREMISES AND EQUIPMENT link:presentationLink link:calculationLink link:definitionLink 999024 - Disclosure - GOODWILL AND OTHER INTANGIBLES link:presentationLink link:calculationLink link:definitionLink 999025 - Disclosure - DEPOSITS link:presentationLink link:calculationLink link:definitionLink 999026 - Disclosure - SHORT-TERM BORROWINGS link:presentationLink link:calculationLink link:definitionLink 999027 - Disclosure - LONG-TERM DEBT link:presentationLink link:calculationLink link:definitionLink 999028 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN link:presentationLink link:calculationLink link:definitionLink 999029 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS link:presentationLink link:calculationLink link:definitionLink 999030 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES link:presentationLink link:calculationLink link:definitionLink 999031 - Disclosure - LEASES link:presentationLink link:calculationLink link:definitionLink 999032 - Disclosure - REGULATORY CAPITAL link:presentationLink link:calculationLink link:definitionLink 999033 - Disclosure - INCOME TAXES link:presentationLink link:calculationLink link:definitionLink 999034 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS link:presentationLink link:calculationLink link:definitionLink 999035 - Disclosure - COMMITMENTS AND CONTINGENCIES link:presentationLink link:calculationLink link:definitionLink 999036 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES link:presentationLink link:calculationLink link:definitionLink 999037 - Disclosure - SEGMENT link:presentationLink link:calculationLink link:definitionLink 999038 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS link:presentationLink link:calculationLink link:definitionLink 999039 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) link:presentationLink link:calculationLink link:definitionLink 999040 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) link:presentationLink link:calculationLink link:definitionLink 999041 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999042 - Disclosure - INVESTMENT SECURITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999043 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) link:presentationLink link:calculationLink link:definitionLink 999044 - Disclosure - PREMISES AND EQUIPMENT (Tables) link:presentationLink link:calculationLink link:definitionLink 999045 - Disclosure - DEPOSITS (Tables) link:presentationLink link:calculationLink link:definitionLink 999046 - Disclosure - LONG-TERM DEBT (Tables) link:presentationLink link:calculationLink link:definitionLink 999047 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Tables) link:presentationLink link:calculationLink link:definitionLink 999048 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999049 - Disclosure - LEASES (Tables) link:presentationLink link:calculationLink link:definitionLink 999050 - Disclosure - REGULATORY CAPITAL (Tables) link:presentationLink link:calculationLink link:definitionLink 999051 - Disclosure - INCOME TAXES (Tables) link:presentationLink link:calculationLink link:definitionLink 999052 - Disclosure - TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS (Tables) link:presentationLink link:calculationLink link:definitionLink 999053 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999054 - Disclosure - FAIR VALUE OF ASSETS AND LIABLITIES (Tables) link:presentationLink link:calculationLink link:definitionLink 999055 - Disclosure - CONDENSED PARENT COMPANY FINANCIAL STATEMENTS (Tables) link:presentationLink link:calculationLink link:definitionLink 999056 - Disclosure - SUMMARY OF QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables) link:presentationLink link:calculationLink link:definitionLink 999057 - Disclosure - The estimated useful lives of the assets are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999058 - Disclosure - Earnings per common share for the years ended December 31, 2025, 2024 and 2023 have been computed based on the following (Details) link:presentationLink link:calculationLink link:definitionLink 999059 - Disclosure - The components of accumulated other comprehensive loss, included in shareholders’ equity, are as follows (Details) link:presentationLink link:calculationLink link:definitionLink 999060 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999061 - Disclosure - The following tables summarize the amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2025 and December 31, 2024 (Details) link:presentationLink link:calculationLink link:definitionLink 999062 - Disclosure - The following table presents the unrealized gains (losses) recognized on marketable equity securities for the years indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999063 - Disclosure - The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2025, by final maturity, are shown below (Details) link:presentationLink link:calculationLink link:definitionLink 999064 - Disclosure - The following tables summarize the gross unrealized losses and fair value of the Company's securities available-for-sale and held-to-maturity, segregated by the duration of their continuous unrealized loss positions at December 31, 2025 and 2024 (Details) link:presentationLink link:calculationLink link:definitionLink 999065 - Disclosure - INVESTMENT SECURITIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999066 - Disclosure - The following table presents the summary of the loan portfolio by the major classification of the loan at the periods indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999067 - Disclosure - A summary of the activity in the balances of mortgage servicing rights follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999068 - Disclosure - An analysis of changes in the allowance for credit losses for loans and off-balance sheet commitments by segment for the years ended December 31, 2025 and 2024 is as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999069 - Disclosure - The following tables present an age analysis of past due loans as of the dates indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999070 - Disclosure - The following table is a summary of the Company’s nonaccrual loans by major categories at December 31, 2025 and December 31, 2024: (Details) link:presentationLink link:calculationLink link:definitionLink 999071 - Disclosure - The following table summarizes the Company’s individually evaluated collateral dependent loans by class as of the dates indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999072 - Disclosure - The following tables summarize the amortized cost basis by aggregate Pass and criticized categories of Special Mention and Substandard within the Company’s internal risk rating system by year of origination as of December 31, 2025 and December 31, 2024. (Details) link:presentationLink link:calculationLink link:definitionLink 999073 - Disclosure - The following table summarizes information about total loans rated Special Mention, Substandard, Doubtful or Loss for the periods noted. (Details) link:presentationLink link:calculationLink link:definitionLink 999074 - Disclosure - LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999075 - Disclosure - Premises and equipment are summarized as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999076 - Disclosure - PREMISES AND EQUIPMENT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999077 - Disclosure - GOODWILL AND OTHER INTANGIBLES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999078 - Disclosure - Deposit accounts, by type, are summarized as follows for the periods indicated: (Details) link:presentationLink link:calculationLink link:definitionLink 999079 - Disclosure - The scheduled maturities of time deposits for the periods indicated are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999080 - Disclosure - Interest expense on deposits for the years ended December 31, 2025, 2024 and 2023 is summarized as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999081 - Disclosure - DEPOSITS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999082 - Disclosure - SHORT-TERM BORROWINGS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999083 - Disclosure - The following advances are collateralized by a blanket lien on our residential real estate loans and certain eligible commercial real estate loans. (Details) link:presentationLink link:calculationLink link:definitionLink 999084 - Disclosure - LONG-TERM DEBT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999085 - Disclosure - The Threshold, Target and Stretch metrics under the 2022 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999086 - Disclosure - The Threshold, Target and Stretch metrics under the 2023 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999087 - Disclosure - The Threshold, Target and Stretch metrics under the 2024 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999088 - Disclosure - The Threshold, Target and Stretch metrics under the 2025 LTI Plan are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999089 - Disclosure - A summary of the status of unvested restricted stock awards at December 31, 2025 and December 31, 2024 is presented below: (Details) link:presentationLink link:calculationLink link:definitionLink 999090 - Disclosure - At December 31, 2025, the remaining principal balances are payable as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999091 - Disclosure - Shares held by the ESOP include the following at December 31, 2025 and December 31, 2024: (Details) link:presentationLink link:calculationLink link:definitionLink 999092 - Disclosure - STOCK PLANS AND EMPLOYEE STOCK OWNERSHIP PLAN (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999093 - Disclosure - RETIREMENT PLANS AND EMPLOYEE BENEFITS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999094 - Disclosure - The tables below present the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of December 31, 2025 and December 31, 2024. (Details) link:presentationLink link:calculationLink link:definitionLink 999095 - Disclosure - The table below presents the effect of the Company’s derivative financial instruments on the statements of net income for the years ended December 31, 2024 and 2023. (Details) link:presentationLink link:calculationLink link:definitionLink 999096 - Disclosure - DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999097 - Disclosure - Supplemental cash flow information related to leases was as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999098 - Disclosure - Supplemental balance sheet information related to leases was as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999099 - Disclosure - Future undiscounted lease payments for the Company’s operating lease liabilities were as follows (in thousands): (Details) link:presentationLink link:calculationLink link:definitionLink 999100 - Disclosure - LEASES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999101 - Disclosure - Our actual capital ratios of December 31, 2025 and December 31, 2024 are also presented in the following table. (Details) link:presentationLink link:calculationLink link:definitionLink 999102 - Disclosure - The following is a reconciliation of our GAAP capital to regulatory Tier 1, Common Equity Tier 1 and total capital: (Details) link:presentationLink link:calculationLink link:definitionLink 999103 - Disclosure - REGULATORY CAPITAL (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999104 - Disclosure - Income taxes consist of the following: (Details) link:presentationLink link:calculationLink link:definitionLink 999105 - Disclosure - The differences between the statutory federal income tax at a rate of 21% and the effective tax are summarized below: (Details) link:presentationLink link:calculationLink link:definitionLink 999106 - Disclosure - The tax effects of each item that gives rise to deferred taxes are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999107 - Disclosure - INCOME TAXES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999108 - Disclosure - Following is a summary of activity for such loans: (Details) link:presentationLink link:calculationLink link:definitionLink 999109 - Disclosure - The following summarizes these financial instruments and other commitments and contingent liabilities at their contract amounts: (Details) link:presentationLink link:calculationLink link:definitionLink 999110 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999111 - Disclosure - Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) link:presentationLink link:calculationLink link:definitionLink 999112 - Disclosure - The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of December 31, 2025 and December 31, 2024. (Details) link:presentationLink link:calculationLink link:definitionLink 999113 - Disclosure - The estimated fair values of our financial instruments are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999114 - Disclosure - SEGMENT (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 999115 - Disclosure - The condensed balance sheets of the parent company are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999116 - Disclosure - The condensed statements of net income for the parent company are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999117 - Disclosure - The condensed statements of cash flows of the parent company are as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 999118 - Disclosure - The following tables present a summary of our quarterly financial information for the periods indicated. (Details) link:presentationLink link:calculationLink link:definitionLink