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LOANS AND ALLOWANCE FOR LOAN LOSSES - Summary of Loans by Credit Quality Indicator and Origination Year (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Term Loans Amortized Cost Basis by Origination Year      
2023 $ 839,785 $ 1,262,330  
2022 1,199,738 1,055,361  
2021 961,538 422,026  
2020 365,469 290,975  
2019 217,076 128,067  
Prior 613,986 630,012  
Revolving Loans Amortized Cost Basis 326,918 358,920  
Total 4,524,510 4,147,691  
Current period gross charge-offs      
2023 2,427    
2022 586    
2021 105    
2020 46    
2019 818    
Prior 222    
Revolving Loans Amortized Cost Basis 0    
Total 4,204 [1] 2,584 $ 2,751
Construction real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
2023 146,040 171,809  
2022 253,827 184,835  
2021 197,077 34,537  
2020 37,997 7,456  
2019 3,945 1,886  
Prior 6,500 6,628  
Revolving Loans Amortized Cost Basis 144,358 152,530  
Total 789,744 559,681  
Current period gross charge-offs      
2023 0    
2022 92    
2021 0    
2020 0    
2019 0    
Prior 0    
Revolving Loans Amortized Cost Basis 0    
Total 92 0 0
Construction real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2023 132,838 169,652  
2022 236,573 184,501  
2021 196,311 34,537  
2020 37,997 7,091  
2019 3,938 1,844  
Prior 6,457 6,434  
Revolving Loans Amortized Cost Basis 144,358 152,530  
Total 758,472 556,589  
Construction real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 299  
2022 7,798 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 7,798 299  
Construction real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 13,166 1,858  
2022 9,456 290  
2021 698 0  
2020 0 0  
2019 7 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 23,327 2,148  
Construction real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023 36 0  
2022 0 0  
2021 68 0  
2020 0 10  
2019 0 42  
Prior 43 194  
Revolving Loans Amortized Cost Basis 0 0  
Total 147 246  
Construction real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 44  
2021 0 0  
2020 0 355  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 399  
1-4 family residential real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
2023 41,845 82,850  
2022 126,981 144,424  
2021 145,744 128,962  
2020 116,280 70,196  
2019 63,710 38,312  
Prior 200,301 196,572  
Revolving Loans Amortized Cost Basis 1,877 2,203  
Total 696,738 663,519  
Current period gross charge-offs      
2023 0    
2022 0    
2021 0    
2020 0    
2019 1    
Prior 118    
Revolving Loans Amortized Cost Basis 0    
Total 119 69 136
1-4 family residential real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2023 41,520 82,847  
2022 126,981 144,424  
2021 145,671 128,666  
2020 114,631 70,142  
2019 63,710 36,710  
Prior 196,651 194,490  
Revolving Loans Amortized Cost Basis 1,803 2,160  
Total 690,967 659,439  
1-4 family residential real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 32 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 32 0  
1-4 family residential real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 79  
2020 75 0  
2019 0 1,397  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 75 1,476  
1-4 family residential real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023 325 3  
2022 0 0  
2021 73 217  
2020 1,379 54  
2019 0 32  
Prior 3,259 1,942  
Revolving Loans Amortized Cost Basis 74 43  
Total 5,110 2,291  
1-4 family residential real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 163 0  
2019 0 173  
Prior 391 140  
Revolving Loans Amortized Cost Basis 0 0  
Total 554 313  
Commercial real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
2023 511,547 798,653  
2022 676,863 556,157  
2021 495,713 170,720  
2020 144,456 151,449  
2019 102,794 55,855  
Prior 220,585 242,558  
Revolving Loans Amortized Cost Basis 16,493 12,315  
Total 2,168,451 1,987,707  
Current period gross charge-offs      
2023 0    
2022 0    
2021 0    
2020 0    
2019 788    
Prior 0    
Revolving Loans Amortized Cost Basis 0    
Total 788 [1] 0 0
Commercial real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2023 469,844 798,653  
2022 641,577 546,938  
2021 495,363 168,607  
2020 143,150 136,440  
2019 91,085 55,480  
Prior 189,021 233,509  
Revolving Loans Amortized Cost Basis 16,493 12,315  
Total 2,046,533 1,951,942  
Commercial real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2023 24,300 0  
2022 34,424 9,219  
2021 255 0  
2020 1,037 0  
2019 333 0  
Prior 146 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 60,495 9,219  
Commercial real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 17,403 0  
2022 0 0  
2021 0 1,832  
2020 0 330  
2019 9,746 115  
Prior 25,072 1,849  
Revolving Loans Amortized Cost Basis 0 0  
Total 52,221 4,126  
Commercial real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 862 0  
2021 95 281  
2020 269 14,603  
2019 1,565 260  
Prior 6,346 6,992  
Revolving Loans Amortized Cost Basis 0 0  
Total 9,137 22,136  
Commercial real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 76  
2019 65 0  
Prior 0 208  
Revolving Loans Amortized Cost Basis 0 0  
Total 65 284  
Commercial loans      
Term Loans Amortized Cost Basis by Origination Year      
2023 78,533 114,174  
2022 65,118 73,847  
2021 42,437 18,009  
2020 10,724 8,445  
2019 4,485 5,330  
Prior 3,622 3,322  
Revolving Loans Amortized Cost Basis 161,974 188,937  
Total 366,893 412,064  
Current period gross charge-offs      
2023 745    
2022 440    
2021 44    
2020 26    
2019 23    
Prior 5    
Revolving Loans Amortized Cost Basis 0    
Total 1,283 792 1,004
Commercial loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2023 78,090 113,678  
2022 62,192 68,509  
2021 42,114 17,852  
2020 10,708 8,249  
2019 4,356 4,820  
Prior 3,310 3,313  
Revolving Loans Amortized Cost Basis 161,153 178,951  
Total 361,923 395,372  
Commercial loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 208  
2022 128 13  
2021 117 56  
2020 0 0  
2019 0 0  
Prior 18 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 263 277  
Commercial loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 191 0  
2022 174 5,109  
2021 0 31  
2020 16 0  
2019 0 288  
Prior 162 0  
Revolving Loans Amortized Cost Basis 0 9,986  
Total 543 15,414  
Commercial loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023 14 220  
2022 2,357 116  
2021 73 70  
2020 0 110  
2019 65 12  
Prior 12 9  
Revolving Loans Amortized Cost Basis 821 0  
Total 3,342 537  
Commercial loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2023 238 68  
2022 267 100  
2021 133 0  
2020 0 86  
2019 64 210  
Prior 120 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 822 464  
Municipal loans      
Term Loans Amortized Cost Basis by Origination Year      
2023 39,028 65,258  
2022 61,429 74,617  
2021 68,979 57,147  
2020 49,746 48,144  
2019 39,949 24,979  
Prior 182,037 179,922  
Revolving Loans Amortized Cost Basis 0 0  
Total 441,168 450,067  
Current period gross charge-offs      
2023 0    
2022 0    
2021 0    
2020 0    
2019 0    
Prior 0    
Revolving Loans Amortized Cost Basis 0    
Total 0 0 0
Municipal loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2023 39,028 65,258  
2022 61,429 74,617  
2021 68,979 57,147  
2020 49,746 47,636  
2019 39,949 24,576  
Prior 182,037 173,919  
Revolving Loans Amortized Cost Basis 0 0  
Total 441,168 443,153  
Municipal loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 508  
2019 0 403  
Prior 0 6,003  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 6,914  
Municipal loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 0  
Municipal loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 0  
Municipal loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 0  
Loans to individuals      
Term Loans Amortized Cost Basis by Origination Year      
2023 22,792 29,586  
2022 15,520 21,481  
2021 11,588 12,651  
2020 6,266 5,285  
2019 2,193 1,705  
Prior 941 1,010  
Revolving Loans Amortized Cost Basis 2,216 2,935  
Total 61,516 74,653  
Current period gross charge-offs      
2023 1,682    
2022 54    
2021 61    
2020 20    
2019 6    
Prior 99    
Revolving Loans Amortized Cost Basis 0    
Total 1,922 1,723 $ 1,611
Loans to individuals | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2023 22,788 29,579  
2022 15,503 21,480  
2021 11,588 12,651  
2020 6,256 5,261  
2019 2,180 1,665  
Prior 941 1,005  
Revolving Loans Amortized Cost Basis 2,216 2,935  
Total 61,472 74,576  
Loans to individuals | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 0  
Loans to individuals | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
2019 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 0  
Loans to individuals | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2023 0 0  
2022 0 1  
2021 0 0  
2020 0 6  
2019 13 0  
Prior 0 2  
Revolving Loans Amortized Cost Basis 0 0  
Total 13 9  
Loans to individuals | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2023 4 7  
2022 17 0  
2021 0 0  
2020 10 18  
2019 0 40  
Prior 0 3  
Revolving Loans Amortized Cost Basis 0 0  
Total $ 31 $ 68  
[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.