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LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance for Loan Losses Activity by Portfolio Segment (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | $ 36,515 |  | $ 35,273 | $ 49,006
Loans charged-off | (4,204) | [1] | (2,584) | (2,751)
Recoveries of loans charged-off | 1,454 |  | 1,888 | 1,980
Net loans (charged-off) recovered | (2,750) |  | (696) | (771)
Provision for (reversal of) loan losses | 8,909 |  | 1,938 | (12,962)
Balance at end of period | 42,674 |  | 36,515 | 35,273
Construction real estate loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 3,164 |  | 3,787 | 6,490
Loans charged-off | (92) |  | 0 | 0
Recoveries of loans charged-off | 2 |  | 2 | 2
Net loans (charged-off) recovered | (90) |  | 2 | 2
Provision for (reversal of) loan losses | 2,213 |  | (625) | (2,705)
Balance at end of period | 5,287 |  | 3,164 | 3,787
1-4 family residential real estate loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 2,173 |  | 1,866 | 2,270
Loans charged-off | (119) |  | (69) | (136)
Recoveries of loans charged-off | 110 |  | 107 | 75
Net loans (charged-off) recovered | (9) |  | 38 | (61)
Provision for (reversal of) loan losses | 676 |  | 269 | (343)
Balance at end of period | 2,840 |  | 2,173 | 1,866
Commercial real estate loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 28,701 |  | 26,980 | 35,709
Loans charged-off | (788) | [1] | 0 | 0
Recoveries of loans charged-off | 1 |  | 81 | 87
Net loans (charged-off) recovered | (787) |  | 81 | 87
Provision for (reversal of) loan losses | 4,352 |  | 1,640 | (8,816)
Balance at end of period | 32,266 |  | 28,701 | 26,980
Commercial real estate loans | Commercial and Industrial Sector |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Loans charged-off | (788) |  |  |
Reclassification to held-for-sale | 8,100 |  |  |
Commercial loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 2,235 |  | 2,397 | 4,107
Loans charged-off | (1,283) |  | (792) | (1,004)
Recoveries of loans charged-off | 298 |  | 593 | 674
Net loans (charged-off) recovered | (985) |  | (199) | (330)
Provision for (reversal of) loan losses | 836 |  | 37 | (1,380)
Balance at end of period | 2,086 |  | 2,235 | 2,397
Municipal loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 45 |  | 47 | 46
Loans charged-off | 0 |  | 0 | 0
Recoveries of loans charged-off | 0 |  | 0 | 0
Net loans (charged-off) recovered | 0 |  | 0 | 0
Provision for (reversal of) loan losses | (26) |  | (2) | 1
Balance at end of period | 19 |  | 45 | 47
Loans to individuals |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 197 |  | 196 | 384
Loans charged-off | (1,922) |  | (1,723) | (1,611)
Recoveries of loans charged-off | 1,043 |  | 1,105 | 1,142
Net loans (charged-off) recovered | (879) |  | (618) | (469)
Provision for (reversal of) loan losses | 858 |  | 619 | 281
Balance at end of period | $ 176 |  | $ 197 | $ 196
[1] | Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.

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