v3.26.1
ALLOWANCE FOR CREDIT LOSSES - Schedule of Credit Exposure for the Loan Portfolio Disaggregated by Loan Segment (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Sep. 30, 2025
Jun. 30, 2025
Mar. 31, 2025
Risk Rating          
Total $ 903,938 $ 1,001,457 $ 931,329 $ 1,029,812 $ 1,022,224
Real estate - commercial          
Risk Rating          
Year one 21,998 58,750      
Year two 45,061 71,134      
Year three 43,376 71,741      
Year four 39,624 47,488      
Year five 25,443 54,163      
Prior 37,774        
Revolving Loans Amortized Cost Basis 2,495 2,445      
Revolving Loans Converted to Term 0 0      
Total 215,771 305,721      
Gross write offs          
Year one 0 0      
Year two 0 0      
Year three 138 83      
Year four 277 0      
Year five 0        
Prior 88        
Prior   0      
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 503 83      
Real estate - commercial | Pass          
Risk Rating          
Year one 21,998 58,597      
Year two 39,871 67,244      
Year three 39,799 67,994      
Year four 33,762 46,851      
Year five 24,573 52,733      
Prior 35,268        
Revolving Loans Amortized Cost Basis 2,480 2,430      
Revolving Loans Converted to Term 0 0      
Total 197,751 295,849      
Real estate - commercial | Special mention          
Risk Rating          
Year one 0 153      
Year two 79 919      
Year three 394 2,890      
Year four 1,436 538      
Year five 111 489      
Prior 297        
Revolving Loans Amortized Cost Basis 15 15      
Revolving Loans Converted to Term 0 0      
Total 2,332 5,004      
Real estate - commercial | Substandard          
Risk Rating          
Year one 0 0      
Year two 5,111 2,971      
Year three 3,183 857      
Year four 4,426 99      
Year five 759 941      
Prior 2,209        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 15,688 4,868      
Real estate - commercial | Doubtful          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 0 0      
Real estate - construction and land          
Risk Rating          
Year one 7,977 1,947      
Year two 6,335 18,261      
Year three 22,549 9,891      
Year four 10,487 2,815      
Year five 1,049 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 48,397 32,914      
Gross write offs          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0        
Prior 0        
Prior   0      
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 0 0      
Real estate - construction and land | Pass          
Risk Rating          
Year one 7,977 1,947      
Year two 5,266 18,261      
Year three 8,849 9,891      
Year four 10,487 2,815      
Year five 1,049 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 33,628 32,914      
Real estate - construction and land | Special mention          
Risk Rating          
Year one 0 0      
Year two 1,069 0      
Year three 0 0      
Year four 0 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 1,069 0      
Real estate - construction and land | Substandard          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 13,700 0      
Year four 0 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 13,700 0      
Real estate - construction and land | Doubtful          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 0 0      
Commercial and industrial          
Risk Rating          
Year one 45,114 84,622      
Year two 42,562 43,849      
Year three 28,971 36,710      
Year four 25,647 11,404      
Year five 3,877 41,043      
Prior 23,914        
Revolving Loans Amortized Cost Basis 11,481 8,894      
Revolving Loans Converted to Term 0 0      
Total 181,566 226,522      
Gross write offs          
Year one 375 0      
Year two 3,780 3,632      
Year three 5,611 3,360      
Year four 2,848 368      
Year five 410        
Prior 3,365        
Prior   4,239      
Revolving Loans Amortized Cost Basis 33 0      
Revolving Loans Converted to Term 0 0      
Total 16,422 11,599      
Commercial and industrial | Pass          
Risk Rating          
Year one 44,674 84,402      
Year two 40,705 40,301      
Year three 24,250 32,982      
Year four 22,538 10,715      
Year five 3,418 36,641      
Prior 19,740        
Revolving Loans Amortized Cost Basis 11,362 8,778      
Revolving Loans Converted to Term 0 0      
Total 166,687 213,819      
Commercial and industrial | Special mention          
Risk Rating          
Year one 386 189      
Year two 702 1,991      
Year three 1,330 3,003      
Year four 950 682      
Year five 98 3,696      
Prior 1,150        
Revolving Loans Amortized Cost Basis 79 0      
Revolving Loans Converted to Term 0 0      
Total 4,695 9,561      
Commercial and industrial | Substandard          
Risk Rating          
Year one 41 31      
Year two 1,155 1,464      
Year three 3,369 725      
Year four 2,114 0      
Year five 353 626      
Prior 2,939        
Revolving Loans Amortized Cost Basis 40 116      
Revolving Loans Converted to Term 0 0      
Total 10,011 2,962      
Commercial and industrial | Doubtful          
Risk Rating          
Year one 13 0      
Year two 0 93      
Year three 22 0      
Year four 45 7      
Year five 8 80      
Prior 85        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 173 180      
Commercial and industrial - PPP          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 135      
Year five 0 806      
Prior 6        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 6 941      
Gross write offs          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0        
Prior 1        
Prior   0      
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 1 0      
Commercial and industrial - PPP | Pass          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 135      
Year five 0 302      
Prior 6        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 6 437      
Commercial and industrial - PPP | Special mention          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0 504      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 0 504      
Commercial and industrial - PPP | Substandard          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 0 0      
Commercial and industrial - PPP | Doubtful          
Risk Rating          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 0 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 0      
Revolving Loans Converted to Term 0 0      
Total 0 0      
Real Estate - Residential          
Risk Rating          
Year one 9,162 29,086      
Year two 32,100 26,473      
Year three 25,044 69,163      
Year four 68,658 32,528      
Year five 22,239 26,395      
Prior 18,287        
Revolving Loans Amortized Cost Basis 189,937 147,225      
Revolving Loans Converted to Term 0 0      
Total 365,427 330,870      
Gross write offs          
Year one 0 0      
Year two 0 0      
Year three 0 0      
Year four 141 0      
Year five 0        
Prior 0        
Prior   20      
Revolving Loans Amortized Cost Basis 842 0      
Revolving Loans Converted to Term 0 0      
Total 983 20      
Real Estate - Residential | Pass          
Risk Rating          
Year one 9,162 29,086      
Year two 31,950 26,473      
Year three 24,494 65,598      
Year four 67,942 32,235      
Year five 21,372 26,395      
Prior 15,775        
Revolving Loans Amortized Cost Basis 188,568 145,265      
Revolving Loans Converted to Term 0 0      
Total 359,263 325,052      
Real Estate - Residential | Doubtful          
Risk Rating          
Year one 0 0      
Year two 150 0      
Year three 550 3,565      
Year four 716 293      
Year five 867 0      
Prior 2,512        
Revolving Loans Amortized Cost Basis 1,369 1,960      
Revolving Loans Converted to Term 0 0      
Total 6,164 5,818      
Consumer and Other          
Risk Rating          
Year one 12,047 59,675      
Year two 50,460 21,860      
Year three 17,941 10,026      
Year four 4,269 603      
Year five 171 53      
Prior 49        
Revolving Loans Amortized Cost Basis 1,504 1,609      
Revolving Loans Converted to Term 0 0      
Total 86,441 93,826      
Gross write offs          
Year one 235 0      
Year two 682 241      
Year three 254 2,351      
Year four 1,089 35      
Year five 23        
Prior 9        
Prior   317      
Revolving Loans Amortized Cost Basis 75 0      
Revolving Loans Converted to Term 0 0      
Total 2,367 2,944      
Consumer and Other | Pass          
Risk Rating          
Year one 12,047 59,591      
Year two 50,220 21,860      
Year three 17,921 9,840      
Year four 4,220 603      
Year five 171 53      
Prior 49        
Revolving Loans Amortized Cost Basis 1,504 1,584      
Revolving Loans Converted to Term 0 0      
Total 86,132 93,531      
Consumer and Other | Doubtful          
Risk Rating          
Year one 0 84      
Year two 240 0      
Year three 20 186      
Year four 49 0      
Year five 0 0      
Prior 0        
Revolving Loans Amortized Cost Basis 0 25      
Revolving Loans Converted to Term 0 0      
Total $ 309 $ 295