LOANS - Activity in the allowance for credit losses (Details) - USD ($) |
3 Months Ended | 6 Months Ended | 12 Months Ended | ||
|---|---|---|---|---|---|
Jun. 30, 2026 |
Jun. 30, 2025 |
Jun. 30, 2026 |
Jun. 30, 2025 |
Dec. 31, 2025 |
|
| Allowance for credit losses: | |||||
| Beginning Balance | $ 1,168,867 | $ 1,111,608 | $ 1,138,600 | $ 1,208,149 | $ 1,208,149 |
| Provision for (recovery of) credit losses on loans | (53,418) | (11,243) | (23,188) | (104,378) | |
| Loans charged off | (1,504) | (891) | (4,910) | ||
| Recoveries of loans previously charged off | 3,402 | 4,330 | |||
| Ending Balance | 1,118,851 | 1,098,861 | 1,118,851 | 1,098,861 | 1,138,600 |
| Beginning Balance | 66,280 | 35,041 | 47,183 | 35,041 | 35,041 |
| Provision for credit losses on unfunded loan commitments | (266) | 18,831 | |||
| Ending Balance | 66,014 | 35,041 | 66,014 | 35,041 | 47,183 |
| Commercial | |||||
| Allowance for credit losses: | |||||
| Beginning Balance | 130,195 | 56,652 | 137,257 | 63,531 | 63,531 |
| Provision for (recovery of) credit losses on loans | (7,064) | 520 | (14,126) | (6,359) | |
| Ending Balance | 123,131 | 57,172 | 123,131 | 57,172 | 137,257 |
| Residential real estate | |||||
| Allowance for credit losses: | |||||
| Beginning Balance | 1,033,149 | 1,046,443 | 995,084 | 1,138,183 | 1,138,183 |
| Provision for (recovery of) credit losses on loans | (43,010) | (8,084) | (4,945) | (99,824) | |
| Ending Balance | 990,139 | 1,038,359 | 990,139 | 1,038,359 | 995,084 |
| Consumer | |||||
| Allowance for credit losses: | |||||
| Beginning Balance | 5,523 | 8,513 | 6,259 | 6,435 | 6,435 |
| Provision for (recovery of) credit losses on loans | (3,344) | (3,679) | (4,117) | 1,805 | |
| Loans charged off | (1,504) | (891) | (4,910) | (5,838) | |
| Recoveries of loans previously charged off | 3,402 | 4,330 | |||
| Ending Balance | $ 5,581 | $ 3,330 | $ 5,581 | $ 3,330 | $ 6,259 |