v3.26.1
NET LOANS RECEIVABLE - Risk (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Dec. 31, 2025
Term Loans Amortized Cost Basis by Origination Year      
Ending balance $ 1,726,970   $ 1,671,560
Current Period Gross Charge-offs      
Total 83 $ 56  
Commercial      
Term Loans Amortized Cost Basis by Origination Year      
Ending balance 789,541   761,068
Current Period Gross Charge-offs      
Total 70    
Commercial | Real estate      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 13,196   58,001
2024 Transition Period     13,931
2025/2024 56,591   49,810
2024 Transition Period 13,855    
2024/2023 49,652   44,172
2023/2022 40,700   55,075
Prior 282,627   243,638
Revolving Loans Amortized Cost Basis 1,287   1,822
Ending balance 457,908   466,449
Current Period Gross Charge-offs      
2023/2022     69
Total     69
Commercial | Real estate | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 13,196   58,001
2024 Transition Period     13,931
2025/2024 56,591   49,810
2024 Transition Period 13,855    
2024/2023 49,652   43,497
2023/2022 40,031   53,003
Prior 273,729   221,781
Revolving Loans Amortized Cost Basis 836   804
Ending balance 447,890   440,827
Commercial | Real estate | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
2024/2023     451
2023/2022 447    
Prior 712   5,571
Ending balance 1,159   6,022
Commercial | Real estate | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2024/2023     224
2023/2022 222   2,072
Prior 7,345   15,442
Revolving Loans Amortized Cost Basis 451   1,018
Ending balance 8,018   18,756
Commercial | Real estate | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Prior 841   844
Ending balance 841   844
Commercial | Commercial and industrial      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 1,323   31,169
2024 Transition Period     9,030
2025/2024 29,328   12,433
2024 Transition Period 8,677    
2024/2023 10,947   3,588
2023/2022 3,214   2,545
Prior 12,823   10,894
Revolving Loans Amortized Cost Basis 63,955   55,236
Ending balance 130,267   124,895
Current Period Gross Charge-offs      
2024/2023 70    
Prior     27
Total 70   27
Commercial | Commercial and industrial | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 1,323   31,169
2024 Transition Period     9,030
2025/2024 29,328   12,433
2024 Transition Period 8,677    
2024/2023 10,947   3,588
2023/2022 3,214   2,533
Prior 9,258   7,307
Revolving Loans Amortized Cost Basis 63,939   55,233
Ending balance 126,686   121,293
Commercial | Commercial and industrial | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
Prior     1,382
Ending balance     1,382
Commercial | Commercial and industrial | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023/2022     12
Prior 3,496   2,130
Revolving Loans Amortized Cost Basis 16   3
Ending balance 3,512   2,145
Commercial | Commercial and industrial | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Prior 69   75
Ending balance 69   75
Commercial | Construction      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 18,629   34,766
2024 Transition Period     49,481
2025/2024 41,735   46,500
2024 Transition Period 54,478    
2024/2023 48,375   5,237
2023/2022 5,113   18,007
Prior 33,036   15,733
Ending balance 201,366   169,724
Commercial | Construction | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 18,629   34,766
2024 Transition Period     49,481
2025/2024 41,735   46,500
2024 Transition Period 54,478    
2024/2023 48,375   5,237
2023/2022 5,113   18,007
Prior 33,036   15,733
Ending balance 201,366   169,724
Residential mortgages      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 11,861   144,861
2024 Transition Period     88,510
2025/2024 176,809   172,519
2024 Transition Period 86,737    
2024/2023 165,516   180,530
2023/2022 177,692   38,595
Prior 202,044   168,523
Revolving Loans Amortized Cost Basis 116   119
Ending balance 820,775   793,657
Current Period Gross Charge-offs      
2024/2023     4
Total   4 4
Residential mortgages | Performing      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 11,861   144,861
2024 Transition Period     88,510
2025/2024 176,809   172,024
2024 Transition Period 86,737    
2024/2023 165,023   179,426
2023/2022 176,029   38,112
Prior 199,889   166,745
Revolving Loans Amortized Cost Basis 116   119
Ending balance 816,464   789,797
Residential mortgages | Non-performing      
Term Loans Amortized Cost Basis by Origination Year      
2025/2024     495
2024/2023 493   1,104
2023/2022 1,663   483
Prior 2,155   1,778
Ending balance 4,311   3,860
Home equity loans and lines of credit      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 211   2,791
2024 Transition Period     2,214
2025/2024 2,755   5,178
2024 Transition Period 2,172    
2024/2023 4,686   5,141
2023/2022 4,960   8,088
Prior 21,315   14,441
Revolving Loans Amortized Cost Basis 58,904   57,204
Revolving Loans Converted to Term 2,489   2,572
Ending balance 97,492   97,629
Current Period Gross Charge-offs      
Prior     23
Total   23 23
Home equity loans and lines of credit | Performing      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 211   2,791
2024 Transition Period     2,214
2025/2024 2,755   5,178
2024 Transition Period 2,172    
2024/2023 4,686   5,141
2023/2022 4,960   8,088
Prior 21,189   14,306
Revolving Loans Amortized Cost Basis 57,868   56,032
Revolving Loans Converted to Term 2,489   2,572
Ending balance 96,330   96,322
Home equity loans and lines of credit | Non-performing      
Term Loans Amortized Cost Basis by Origination Year      
Prior 126   135
Revolving Loans Amortized Cost Basis 1,036   1,172
Ending balance 1,162   1,307
Consumer      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 261   1,595
2024 Transition Period     4,265
2025/2024 1,582   3,317
2024 Transition Period 4,036    
2024/2023 3,106   303
2023/2022 246   25
Prior 2,883   2,910
Revolving Loans Amortized Cost Basis 7,048   6,791
Ending balance 19,162   19,206
Current Period Gross Charge-offs      
2026/2025 13   98
2024/2023     6
2023/2022     4
Prior     1
Total 13 $ 29 109
Consumer | Performing      
Term Loans Amortized Cost Basis by Origination Year      
2026/2025 261   1,595
2024 Transition Period     4,265
2025/2024 1,582   3,317
2024 Transition Period 4,036    
2024/2023 3,106   303
2023/2022 246   25
Prior 2,883   2,910
Revolving Loans Amortized Cost Basis 7,048   6,791
Ending balance $ 19,162   $ 19,206