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INCOME TAXES - Effective Tax Rate Reconciliation (Details)
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Effective tax rate reconciliation      
Federal statutory income tax rate 21.00% 21.00% 21.00%
Increase (reduction) in taxes resulting from:      
Tax-exempt interest (1.00%) (1.70%) (1.30%)
State income taxes, net of federal benefit 4.10% 2.20% 3.30%
Stock-based compensation (0.20%) (0.20%) (0.30%)
Federal tax credits, net of amortization (0.60%) (0.50%) (1.00%)
Other, net (0.40%) 0.80% 0.00%
Effective income tax rate 22.90% 21.60% 21.70%