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INCOME TAXES - Schedule of the Reconciliation of Federal and State Income Taxes at Statutory rates to the Income Taxes Included in the Statements of Income (Details)
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Income Tax Disclosure [Abstract]      
Income tax at federal statutory rate 21.00% 21.00% 21.00%
Tax-exempt interest, net (0.70%) (1.00%) (1.10%)
Stock incentive 0.00% 0.20% 0.10%
State income taxes, net 5.80% 6.50% 6.50%
Income on bank owned life insurance (0.70%) (0.60%) (0.50%)
Tax credit investments (3.10%) (6.00%) (5.60%)
Other, net 3.50% 0.30% 0.30%
Effective income tax rate 25.80% 20.40% 20.70%