LOANS AND ALLOWANCE FOR CREDIT LOSSES - Additional Information (Details)
|
3 Months Ended |
6 Months Ended |
12 Months Ended |
|
Jun. 30, 2026
USD ($)
loan
contract
|
Jun. 30, 2025
USD ($)
contract
loan
|
Jun. 30, 2026
USD ($)
loan
|
Jun. 30, 2026
USD ($)
loan
|
Jun. 30, 2026
USD ($)
loan
category
|
Jun. 30, 2026
USD ($)
loan
|
Jun. 30, 2026
USD ($)
contract
loan
|
Jun. 30, 2026
USD ($)
loan
|
Jun. 30, 2025
USD ($)
|
Jun. 30, 2025
USD ($)
|
Jun. 30, 2025
USD ($)
contract
|
Jun. 30, 2025
USD ($)
loan
|
Dec. 31, 2025
USD ($)
loan
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of loan portfolio segments | category |
|
|
|
|
2
|
|
|
|
|
|
|
|
|
| Loans held for sale |
$ 1,483,000
|
|
$ 1,483,000
|
$ 1,483,000
|
$ 1,483,000
|
$ 1,483,000
|
$ 1,483,000
|
$ 1,483,000
|
|
|
|
|
$ 1,140,000
|
| Unpaid principal balance |
948,423,000
|
$ 958,935,000
|
$ 948,423,000
|
948,423,000
|
948,423,000
|
948,423,000
|
948,423,000
|
948,423,000
|
$ 958,935,000
|
$ 958,935,000
|
$ 958,935,000
|
$ 958,935,000
|
946,661,000
|
| Loan payments of delinquency period |
|
|
10 days
|
|
|
|
|
|
|
|
|
|
|
| Delinquency notice is automatically generated |
|
|
10 or 15
|
|
|
|
|
|
|
|
|
|
|
| Loan payments, delinquency period, beyond which loans are considered non-accrual |
|
|
90 days
|
|
|
|
|
|
|
|
|
|
|
| Reserve for unfunded lending commitments |
85,000
|
$ 97,000
|
$ 85,000
|
85,000
|
85,000
|
85,000
|
85,000
|
85,000
|
97,000
|
97,000
|
$ 97,000
|
$ 97,000
|
90,000
|
| Accrued interest exclude from the amortized cost basis of loans |
$ 2,594,000
|
|
2,594,000
|
2,594,000
|
2,594,000
|
2,594,000
|
$ 2,594,000
|
$ 2,594,000
|
|
|
|
|
2,736,000
|
| Number of contracts |
4
|
1
|
|
|
|
|
6
|
6
|
|
|
1
|
1
|
|
| Financing Receivable, Modifications, Recorded Investment |
$ 5,300,000
|
|
$ 5,300,000
|
5,300,000
|
$ 5,300,000
|
$ 5,300,000
|
$ 5,300,000
|
$ 5,300,000
|
|
|
|
|
12,661,000
|
| Modified value of TDR |
3,443,000
|
$ 107,000
|
|
4,083,000
|
|
|
|
|
|
107,000
|
|
|
|
| Recorded Investment |
$ 4,660,000
|
107,000
|
|
5,300,000
|
|
|
|
|
|
107,000
|
|
|
12,661,000
|
| Financing receivable modifications unfunded commitments |
|
|
|
$ 1,751,000
|
|
|
|
|
|
|
|
|
$ 0
|
| Number of TDRs not in compliance with restructure | loan |
2
|
|
2
|
2
|
2
|
2
|
2
|
2
|
|
|
|
|
2
|
| Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan |
|
|
|
|
|
|
|
5
|
|
|
|
3
|
|
| Financing receivable modification not in compliance of terms |
|
|
|
$ 409,000
|
|
|
|
|
|
|
|
|
$ 439,000
|
| Foreclosed assets held for resale |
$ 0
|
|
$ 0
|
0
|
$ 0
|
$ 0
|
$ 0
|
$ 0
|
|
|
|
|
0
|
| Consumer mortgage loans |
0
|
|
0
|
0
|
0
|
0
|
0
|
0
|
|
|
|
|
0
|
| GGLs |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Unpaid principal balance |
3,708,000
|
|
3,708,000
|
3,708,000
|
3,708,000
|
3,708,000
|
3,708,000
|
3,708,000
|
|
|
|
|
3,902,000
|
| Unfunded Loan Commitment |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Reserve for unfunded lending commitments |
85,000
|
|
$ 85,000
|
85,000
|
$ 85,000
|
$ 85,000
|
$ 85,000
|
$ 85,000
|
|
|
|
|
90,000
|
| Loan one |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Modified value of TDR |
$ 299,000
|
|
|
|
|
|
|
|
|
|
|
|
|
| Loan carrying a post modification recorded investment, paid current |
|
$ 120,000
|
|
|
|
|
|
|
$ 120,000
|
120,000
|
$ 120,000
|
$ 120,000
|
|
| Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan |
1
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of financing receivable contracts modified | loan |
|
1
|
|
|
|
|
|
|
|
|
|
1
|
|
| Loan two |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Modified value of TDR |
|
|
|
110,000
|
|
|
|
|
|
|
|
|
|
| Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan |
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Recorded investment |
|
$ 421,000
|
|
|
|
|
|
|
|
421,000
|
|
|
|
| Loan three |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Modified value of TDR |
|
$ 107,000
|
|
330,000
|
|
|
|
|
|
|
|
|
|
| Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan |
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Number of financing receivable contracts modified | loan |
|
1
|
|
|
|
|
|
|
|
|
|
|
|
| Loan four |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Modified value of TDR |
$ 9,437,000
|
|
|
$ 9,437,000
|
|
|
|
|
|
|
|
|
|
| Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan |
1
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Loan five |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of loans modified as troubled debt restructuring within previous 12 months, with subsequent payment default | loan |
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Term Modification |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts |
1
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Payment Modification |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts |
2
|
1
|
|
|
|
|
1
|
3
|
|
|
1
|
|
|
| Finance receivable modified |
6 months
|
|
6 months
|
6 months
|
6 months
|
6 months
|
6 months
|
6 months
|
|
|
|
|
|
| Interest-only payments |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Period of interest only payments |
|
|
|
|
|
|
|
|
11 months
|
|
|
|
|
| Interest only payment from payment deferral |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts | contract |
|
|
|
|
|
|
1
|
|
|
|
|
|
|
| Period of interest only payments |
|
|
6 months
|
|
|
|
|
|
|
|
|
|
|
| Interest only payments additional extension from payment deferral |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts | loan |
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Loan modification extension term |
|
|
6 months
|
|
|
|
|
|
|
|
|
|
|
| Repayment structure modification |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts | loan |
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Extension of interest and extended maturity |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts | loan |
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| Period of interest only payments |
|
|
6 months
|
|
|
|
|
|
|
|
|
|
|
| Loan modification extension term |
|
|
6 months
|
|
|
|
|
|
|
|
|
|
|
| Extended maturity and interest only payments |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts | contract |
|
|
|
|
|
|
1
|
|
|
|
|
|
|
| Period of interest only payments |
|
|
4 months
|
|
|
|
|
|
|
|
|
|
|
| Loan modification extension term |
|
|
4 months
|
|
|
|
|
|
|
|
|
|
|
| Commercial and Industrial |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Unpaid principal balance |
$ 68,025,000
|
$ 64,908,000
|
$ 68,025,000
|
$ 68,025,000
|
$ 68,025,000
|
$ 68,025,000
|
$ 68,025,000
|
$ 68,025,000
|
$ 64,908,000
|
64,908,000
|
$ 64,908,000
|
$ 64,908,000
|
66,924,000
|
| Reserve for unfunded lending commitments |
$ 18,000
|
20,000
|
18,000
|
18,000
|
18,000
|
18,000
|
$ 18,000
|
$ 18,000
|
20,000
|
20,000
|
20,000
|
20,000
|
24,000
|
| Number of contracts |
1
|
|
|
|
|
|
1
|
1
|
|
|
|
|
|
| Financing Receivable, Modifications, Recorded Investment |
$ 299,000
|
|
299,000
|
299,000
|
299,000
|
299,000
|
$ 299,000
|
$ 299,000
|
|
|
|
|
7,000
|
| Modified value of TDR |
300,000
|
|
|
300,000
|
|
|
|
|
|
|
|
|
|
| Recorded Investment |
299,000
|
|
|
299,000
|
|
|
|
|
|
|
|
|
|
| Commercial and Industrial | GGLs |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Government guaranteed loans |
$ 3,708,000
|
|
3,708,000
|
3,708,000
|
3,708,000
|
3,708,000
|
3,708,000
|
$ 3,708,000
|
|
|
|
|
3,902,000
|
| Commercial and Industrial | Term Modification |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts |
1
|
|
|
|
|
|
|
1
|
|
|
|
|
|
| State and Political Subdivisions |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Unpaid principal balance |
$ 29,320,000
|
22,016,000
|
29,320,000
|
29,320,000
|
29,320,000
|
29,320,000
|
29,320,000
|
$ 29,320,000
|
22,016,000
|
22,016,000
|
22,016,000
|
22,016,000
|
20,132,000
|
| Reserve for unfunded lending commitments |
12,000
|
|
12,000
|
12,000
|
12,000
|
12,000
|
12,000
|
12,000
|
|
|
|
|
12,000
|
| Tax free loans |
$ 29,320,000
|
|
$ 29,320,000
|
$ 29,320,000
|
$ 29,320,000
|
$ 29,320,000
|
$ 29,320,000
|
$ 29,320,000
|
|
|
|
|
20,132,000
|
| Commercial Real Estate | Maximum |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Term of loan offering |
|
|
20 years
|
|
|
|
|
|
|
|
|
|
|
| Maximum loan to value ratio |
|
|
|
|
|
80.00%
|
|
|
|
|
|
|
|
| Residential Real Estate | Residential Mortgage |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Maximum loan to value ratio |
|
|
|
|
|
80.00%
|
|
|
|
|
|
|
|
| Loans held for sale term |
30 years
|
|
30 years
|
30 years
|
30 years
|
30 years
|
30 years
|
30 years
|
|
|
|
|
|
| Maximum loan to value ratio with PMI |
95.00%
|
|
95.00%
|
95.00%
|
95.00%
|
95.00%
|
95.00%
|
95.00%
|
|
|
|
|
|
| Residential Real Estate | Residential Mortgage | Maximum |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Term of loan offering |
|
|
20 years
|
|
|
|
|
|
|
|
|
|
|
| Loans held for sale term |
30 years
|
|
30 years
|
30 years
|
30 years
|
30 years
|
30 years
|
30 years
|
|
|
|
|
|
| Residential Real Estate | Home Equity Loan |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Maximum loan to value ratio |
|
|
|
|
|
80.00%
|
|
|
|
|
|
|
|
| Residential Real Estate | Home Equity Loan | Maximum |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Term of loan offering |
|
|
15 years
|
|
|
|
|
|
|
|
|
|
|
| Residential Real Estate | Home Equity Line of Credit |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Maximum loan to value ratio |
|
|
|
|
|
80.00%
|
|
|
|
|
|
|
|
| Residential Real Estate | Home Equity Line of Credit | Maximum |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Term of loan offering |
|
|
20 years
|
|
|
|
|
|
|
|
|
|
|
| Consumer |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Unpaid principal balance |
$ 4,619,000
|
6,295,000
|
$ 4,619,000
|
$ 4,619,000
|
$ 4,619,000
|
$ 4,619,000
|
$ 4,619,000
|
$ 4,619,000
|
6,295,000
|
6,295,000
|
6,295,000
|
6,295,000
|
4,953,000
|
| Reserve for unfunded lending commitments |
|
2,000
|
|
|
|
|
|
|
2,000
|
2,000
|
2,000
|
2,000
|
|
| Agricultural |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Unpaid principal balance |
1,241,000
|
1,108,000
|
$ 1,241,000
|
1,241,000
|
1,241,000
|
$ 1,241,000
|
1,241,000
|
1,241,000
|
1,108,000
|
1,108,000
|
1,108,000
|
1,108,000
|
984,000
|
| Agricultural | Maximum |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Term of loan offering |
|
|
10 years
|
|
|
|
|
|
|
|
|
|
|
| Maximum loan to value ratio |
|
|
|
|
|
70.00%
|
|
|
|
|
|
|
|
| Real Estate |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Loans held for sale |
1,483,000
|
|
$ 1,483,000
|
1,483,000
|
1,483,000
|
$ 1,483,000
|
1,483,000
|
1,483,000
|
|
|
|
|
1,140,000
|
| Unpaid principal balance |
845,218,000
|
864,608,000
|
845,218,000
|
845,218,000
|
845,218,000
|
845,218,000
|
845,218,000
|
845,218,000
|
864,608,000
|
864,608,000
|
864,608,000
|
864,608,000
|
853,668,000
|
| Reserve for unfunded lending commitments |
$ 55,000
|
$ 75,000
|
55,000
|
55,000
|
55,000
|
55,000
|
$ 55,000
|
$ 55,000
|
$ 75,000
|
75,000
|
$ 75,000
|
$ 75,000
|
54,000
|
| Number of contracts |
3
|
1
|
|
|
|
|
5
|
5
|
|
|
1
|
|
|
| Financing Receivable, Modifications, Recorded Investment |
$ 5,001,000
|
|
$ 5,001,000
|
5,001,000
|
$ 5,001,000
|
$ 5,001,000
|
$ 5,001,000
|
$ 5,001,000
|
|
|
|
|
$ 12,654,000
|
| Modified value of TDR |
3,143,000
|
$ 107,000
|
|
3,783,000
|
|
|
|
|
|
107,000
|
|
|
|
| Recorded Investment |
$ 4,361,000
|
$ 107,000
|
|
$ 5,001,000
|
|
|
|
|
|
$ 107,000
|
|
|
|
| Real Estate | Payment Modification |
|
|
|
|
|
|
|
|
|
|
|
|
|
| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Number of contracts |
2
|
1
|
|
|
|
|
|
3
|
|
|
1
|
|
|