LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative)
$ in Thousands |
3 Months Ended |
6 Months Ended |
12 Months Ended |
|
|
Jun. 30, 2026
USD ($)
|
Jun. 30, 2025
USD ($)
|
Mar. 31, 2025
USD ($)
|
Jun. 30, 2026
USD ($)
$ / Loan
|
Jun. 30, 2025
USD ($)
|
Dec. 31, 2025
USD ($)
|
May 31, 2026
USD ($)
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total Loans |
$ 2,193,832
|
|
|
$ 2,193,832
|
|
$ 2,183,592
|
|
| FHLB advances |
38,500
|
|
|
38,500
|
|
83,000
|
|
| Serviced commercial loans for participants |
65,700
|
|
|
$ 65,700
|
|
66,900
|
|
| Weighted average prepayment speed, PSA |
|
|
|
145.00%
|
|
|
|
| Weighted average internal rate of return |
|
|
|
9.01%
|
|
|
|
| Weighted average servicing fee percentage |
|
|
|
0.25%
|
|
|
|
| Net cost to service loans | $ / Loan |
|
|
|
83.42
|
|
|
|
| Mortgage loans serviced for others |
$ 73,700
|
|
|
$ 73,700
|
|
77,100
|
|
| Servicing fee income |
|
|
$ 103
|
$ 93
|
|
|
|
| Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] |
Accrued interest receivable
|
|
|
Accrued interest receivable
|
|
|
|
| Accrued interest receivable on loans held for investment |
$ 7,800
|
|
|
$ 7,800
|
|
7,600
|
|
| First mortgages maximum loan-to-value percentage, owner-occupied homes |
|
|
|
97.00%
|
|
|
|
| First mortgages maximum loan-to-value percentage, second homes |
|
|
|
90.00%
|
|
|
|
| First mortgages maximum loan-to-value percentage, investment properties |
|
|
|
85.00%
|
|
|
|
| Loan-to-value ratio requiring private mortgage insurance |
|
|
|
80.00%
|
|
|
|
| Residential equity loans and lines maximum percentage of appraised value underwritten |
|
|
|
85.00%
|
|
|
|
| Provision for (reversal of) credit losses |
1,557
|
$ (615)
|
|
$ 1,632
|
$ (473)
|
|
|
| Charge-offs |
1,859
|
83
|
|
1,953
|
144
|
|
|
| Net charge-offs (recoveries) |
|
|
|
$ 1,800
|
$ (556)
|
|
|
| Net charge-offs (recoveries), percentage of average loans |
|
|
|
0.17%
|
0.05%
|
|
|
| Recovery |
70
|
668
|
|
$ 109
|
$ 700
|
|
|
| Total loans |
$ 2,190,574
|
|
|
$ 2,190,574
|
|
$ 2,180,653
|
|
| Total past due, percentage of total loans |
0.21%
|
|
|
0.21%
|
|
0.14%
|
|
| Nonaccrual loans |
$ 7,759
|
|
|
$ 7,759
|
|
$ 5,162
|
|
| Nonaccrual loans, percentage of total loans |
0.35%
|
|
|
0.35%
|
|
0.24%
|
|
| Nonperforming assets |
$ 7,759
|
|
|
$ 7,759
|
|
$ 5,162
|
|
| Nonperforming assets, percentage of total assets |
0.28%
|
|
|
0.28%
|
|
0.19%
|
|
| Minimum loan-to-value percentage considered for individual evaluation |
|
|
|
85.00%
|
|
|
|
| Individually evaluated loans |
$ 8,453
|
|
|
$ 8,453
|
|
$ 5,888
|
|
| Criticized [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 63,877
|
|
|
$ 63,877
|
|
$ 39,659
|
|
| Percentage of total loans |
2.90%
|
|
|
2.90%
|
|
1.80%
|
|
| Total criticized loans percentage current and paying as agreed |
95.60%
|
|
|
95.60%
|
|
|
|
| Percentage of risk-based capital |
23.00%
|
|
|
23.00%
|
|
14.30%
|
|
| Special Mention [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 40,275
|
|
|
$ 40,275
|
|
$ 17,136
|
|
| Percentage of total loans |
1.80%
|
|
|
1.80%
|
|
0.80%
|
|
| Increase (decrease) in loans |
|
|
|
$ 23,100
|
|
|
|
| Substandard [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 23,602
|
|
|
$ 23,602
|
|
$ 22,523
|
|
| Percentage of total loans |
1.10%
|
|
|
1.10%
|
|
|
|
| Increase (decrease) in loans |
|
|
|
$ 1,100
|
|
|
|
| Percentage decrease in loans |
|
|
|
4.90%
|
|
|
|
| Financial Asset, Past Due [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 4,658
|
|
|
$ 4,658
|
|
3,145
|
|
| Chicopee Bancorp, Inc. [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Recovery |
|
|
|
|
624
|
|
|
| Consumer Loan [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Weighted average remaining maturity period |
|
|
|
2 years 6 months
|
|
|
|
| Charge-offs |
59
|
54
|
|
$ 117
|
115
|
228
|
|
| Recovery |
34
|
28
|
|
63
|
54
|
|
|
| Total loans |
2,338
|
|
|
2,338
|
|
2,929
|
|
| Nonaccrual loans |
|
|
|
|
|
|
|
| Consumer Loan [Member] | Financial Asset, Past Due [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
21
|
|
|
21
|
|
3
|
|
| Commercial Real Estate [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Charge-offs |
1,800
|
4
|
|
1,800
|
4
|
4
|
|
| Recovery |
|
25
|
|
|
25
|
|
|
| Total loans |
1,065,350
|
|
|
1,065,350
|
|
1,099,063
|
|
| Nonaccrual loans |
2,021
|
|
|
2,021
|
|
424
|
|
| Minimum loan balance ratings reviewed annually |
$ 3,000
|
|
|
$ 3,000
|
|
|
|
| Percentage of total loans |
48.60%
|
|
|
48.60%
|
|
|
|
| Commercial Real Estate [Member] | Special Mention [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 22,463
|
|
|
$ 22,463
|
|
11,397
|
|
| Loans as a percentage of rating category |
55.80%
|
|
|
55.80%
|
|
|
|
| Commercial Real Estate [Member] | Substandard [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 10,532
|
|
|
$ 10,532
|
|
9,524
|
|
| Loans as a percentage of rating category |
44.50%
|
|
|
44.50%
|
|
|
|
| Commercial Real Estate [Member] | Financial Asset, Past Due [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 158
|
|
|
$ 158
|
|
304
|
|
| Commercial Real Estate [Member] | Participation Loan [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total Loans |
1,600
|
|
|
1,600
|
|
|
$ 3,400
|
| Charge-offs |
$ 1,800
|
|
|
$ 1,800
|
|
|
|
| Percentage of participation in loan |
40.00%
|
|
|
40.00%
|
|
|
40.00%
|
| Residential Portfolio Segment [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Charge-offs |
|
25
|
|
$ 34
|
25
|
|
|
| Recovery |
28
|
6
|
|
32
|
12
|
|
|
| Total loans |
$ 888,617
|
|
|
$ 888,617
|
|
856,871
|
|
| Total past due, percentage of total loans |
95.10%
|
|
|
95.10%
|
|
|
|
| Nonaccrual loans |
$ 5,387
|
|
|
$ 5,387
|
|
4,290
|
|
| Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
4,431
|
|
|
4,431
|
|
2,789
|
|
| Commercial Loan [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Individually evaluated loans |
848
|
|
|
848
|
|
|
|
| Commercial Loan [Member] | Special Mention [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Increase (decrease) in loans |
|
|
|
21,500
|
|
|
|
| Real Estate Loan [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Individually evaluated loans |
7,600
|
|
|
7,600
|
|
|
|
| Commercial and Industrial Sector [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Charge-offs |
|
|
|
2
|
|
9
|
|
| Recovery |
8
|
$ 609
|
|
14
|
$ 609
|
|
|
| Total loans |
234,269
|
|
|
234,269
|
|
221,790
|
|
| Nonaccrual loans |
351
|
|
|
351
|
|
448
|
|
| Minimum loan balance ratings reviewed annually |
1,000
|
|
|
1,000
|
|
|
|
| Commercial and Industrial Sector [Member] | Special Mention [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 17,812
|
|
|
$ 17,812
|
|
5,739
|
|
| Loans as a percentage of rating category |
44.20%
|
|
|
44.20%
|
|
|
|
| Commercial and Industrial Sector [Member] | Substandard [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 7,169
|
|
|
$ 7,169
|
|
8,195
|
|
| Loans as a percentage of rating category |
30.50%
|
|
|
30.50%
|
|
|
|
| Commercial and Industrial Sector [Member] | Financial Asset, Past Due [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 48
|
|
|
$ 48
|
|
49
|
|
| Residential Real Estate [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Nonaccrual loans |
5,387
|
|
|
5,387
|
|
4,290
|
|
| Residential Real Estate [Member] | Substandard [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 5,901
|
|
|
$ 5,901
|
|
4,804
|
|
| Loans as a percentage of rating category |
25.00%
|
|
|
25.00%
|
|
|
|
| Commercial Real Estate Non-owner Occupied [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total loans |
$ 882,978
|
|
|
$ 882,978
|
|
910,239
|
|
| Percentage of total loans |
82.90%
|
|
|
82.90%
|
|
|
|
| Percentage of risk-based capital |
317.60%
|
|
|
317.60%
|
|
|
|
| Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total Loans |
$ 958,700
|
|
|
$ 958,700
|
|
932,300
|
|
| Asset Pledged as Collateral [Member] | Federal Reserve Bank Advances [Member] |
|
|
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
|
|
| Total Loans |
$ 375,600
|
|
|
$ 375,600
|
|
$ 307,300
|
|