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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, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | $ 42,674 | $ 36,515 |  | $ 35,273
Loans charged-off | (3,360) | (4,204) | [1] | (2,584)
Recoveries of loans charged-off | 1,433 | 1,454 |  | 1,888
Net loans (charged-off) recovered | (1,927) | (2,750) |  | (696)
Provision for (reversal of) loan losses | 4,137 | 8,909 |  | 1,938
Balance at end of period | 44,884 | 42,674 |  | 36,515
Construction real estate loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 5,287 | 3,164 |  | 3,787
Loans charged-off | (24) | (92) |  | 0
Recoveries of loans charged-off | 0 | 2 |  | 2
Net loans (charged-off) recovered | (24) | (90) |  | 2
Provision for (reversal of) loan losses | (1,305) | 2,213 |  | (625)
Balance at end of period | 3,958 | 5,287 |  | 3,164
1-4 family residential real estate loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 2,840 | 2,173 |  | 1,866
Loans charged-off | (261) | (119) |  | (69)
Recoveries of loans charged-off | 99 | 110 |  | 107
Net loans (charged-off) recovered | (162) | (9) |  | 38
Provision for (reversal of) loan losses | 102 | 676 |  | 269
Balance at end of period | 2,780 | 2,840 |  | 2,173
Commercial real estate loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 32,266 | 28,701 |  | 26,980
Loans charged-off | (78) | (788) | [1] | 0
Recoveries of loans charged-off | 6 | 1 |  | 81
Net loans (charged-off) recovered | (72) | (787) |  | 81
Provision for (reversal of) loan losses | 3,332 | 4,352 |  | 1,640
Balance at end of period | 35,526 | 32,266 |  | 28,701
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 | 2,086 | 2,235 |  | 2,397
Loans charged-off | (1,173) | (1,283) |  | (792)
Recoveries of loans charged-off | 386 | 298 |  | 593
Net loans (charged-off) recovered | (787) | (985) |  | (199)
Provision for (reversal of) loan losses | 1,149 | 836 |  | 37
Balance at end of period | 2,448 | 2,086 |  | 2,235
Municipal loans |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 19 | 45 |  | 47
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 | (3) | (26) |  | (2)
Balance at end of period | 16 | 19 |  | 45
Loans to individuals |  |  |  |
Allowance for Loan Losses [Roll Forward] |  |  |  |
Balance at beginning of period | 176 | 197 |  | 196
Loans charged-off | (1,824) | (1,922) |  | (1,723)
Recoveries of loans charged-off | 942 | 1,043 |  | 1,105
Net loans (charged-off) recovered | (882) | (879) |  | (618)
Provision for (reversal of) loan losses | 862 | 858 |  | 619
Balance at end of period | $ 156 | $ 176 |  | $ 197
[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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