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	4,070	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	1,368	1,437
Total gross deferred tax assets	17,764	12,321
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	(2,391)	(2,596)
Right-of-use operating lease assets	(3,634)	(4,015)
Depreciation	(761)	(1,068)
Total gross deferred tax liabilities	(9,938)	(11,876)
Net deferred tax asset	$ 7,826	$ 445

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