INCOME TAXES - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Deferred tax assets:
Allowance for credit losses	$ 5,679	$ 4,106
Net operating loss carryforward	2,833	16
Deferred loan fees	0	288
Discount on loans sold	1,042	1,159
Unrealized loss on available for sale securities	651	1,032
Operating lease liabilities	3,323	3,684
Accrued bonuses	0	288
Fair value adjustments on HFI government guaranteed loans and HFS loans	1,631	311
Other	841	1,050
Total gross deferred tax assets	16,000	11,934
Deferred tax liabilities:
Fair value adjustments on HFI government guaranteed loans and HFS loans	0	0
Government guaranteed loan servicing rights	(3,152)	(4,197)
Deferred loan costs	(1,915)	(2,955)
Right-of-use operating lease assets	(3,634)	(4,015)
Depreciation	(761)	(1,068)
Total gross deferred tax liabilities	(9,462)	(12,235)
Net deferred tax asset (liabilities)	$ 6,538
Net deferred tax asset (liabilities)		$ (301)

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