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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, 2024
Dec. 31, 2023
Dec. 31, 2022
Term Loans Amortized Cost Basis by Origination Year      
2024 $ 645,435 $ 839,785  
2023 708,569 1,199,738  
2022 1,170,402 961,538  
2021 781,874 365,469  
2020 299,323 217,076  
Prior 698,685 613,986  
Revolving Loans Amortized Cost Basis 357,309 326,918  
Total 4,661,597 4,524,510  
Current period gross charge-offs      
2024 1,679 [1] 2,427 [2]  
2023 551 586  
2022 633 105  
2021 111 46  
2020 43 818  
Prior 343 222  
Revolving Loans Amortized Cost Basis 0 0  
Total 3,360 4,204 [3] $ 2,584
Construction real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
2024 130,764 146,040  
2023 122,836 253,827  
2022 106,199 197,077  
2021 18,198 37,997  
2020 4,138 3,945  
Prior 6,597 6,500  
Revolving Loans Amortized Cost Basis 149,095 144,358  
Total 537,827 789,744  
Current period gross charge-offs      
2024 0 0  
2023 24 92  
2022 0 0  
2021 0 0  
2020 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 24 92 0
Construction real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 130,555 132,838  
2023 122,724 236,573  
2022 46,499 196,311  
2021 17,710 37,997  
2020 3,564 3,938  
Prior 5,923 6,457  
Revolving Loans Amortized Cost Basis 132,096 144,358  
Total 459,071 758,472  
Construction real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2024 209 0  
2023 0 7,798  
2022 59,700 0  
2021 0 0  
2020 574 0  
Prior 591 0  
Revolving Loans Amortized Cost Basis 16,999 0  
Total 78,073 7,798  
Construction real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 13,166  
2023 0 9,456  
2022 0 698  
2021 429 0  
2020 0 7  
Prior 72 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 501 23,327  
Construction real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 36  
2023 112 0  
2022 0 68  
2021 59 0  
2020 0 0  
Prior 0 43  
Revolving Loans Amortized Cost Basis 0 0  
Total 171 147  
Construction real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
Prior 11 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 11 0  
1-4 family residential real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
2024 43,090 41,845  
2023 65,683 126,981  
2022 153,335 145,744  
2021 139,778 116,280  
2020 107,442 63,710  
Prior 229,544 200,301  
Revolving Loans Amortized Cost Basis 1,524 1,877  
Total 740,396 696,738  
Current period gross charge-offs      
2024 0 0  
2023 31 0  
2022 0 0  
2021 0 0  
2020 10 1  
Prior 220 118  
Revolving Loans Amortized Cost Basis 0 0  
Total 261 119 69
1-4 family residential real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 43,040 41,520  
2023 65,458 126,981  
2022 153,335 145,671  
2021 139,048 114,631  
2020 106,116 63,710  
Prior 226,550 196,651  
Revolving Loans Amortized Cost Basis 1,524 1,803  
Total 735,071 690,967  
1-4 family residential real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 32  
2020 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 32  
1-4 family residential real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 505 75  
2020 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 505 75  
1-4 family residential real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2024 50 325  
2023 225 0  
2022 0 73  
2021 225 1,379  
2020 1,326 0  
Prior 2,833 3,259  
Revolving Loans Amortized Cost Basis 0 74  
Total 4,659 5,110  
1-4 family residential real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 163  
2020 0 0  
Prior 161 391  
Revolving Loans Amortized Cost Basis 0 0  
Total 161 554  
Commercial real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
2024 367,353 511,547  
2023 422,166 676,863  
2022 804,696 495,713  
2021 538,951 144,456  
2020 136,902 102,794  
Prior 267,116 220,585  
Revolving Loans Amortized Cost Basis 42,551 16,493  
Total 2,579,735 2,168,451  
Current period gross charge-offs      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 788  
Prior 78 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 78 788 [3] 0
Commercial real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 363,370 469,844  
2023 410,213 641,577  
2022 632,216 495,363  
2021 509,927 143,150  
2020 132,562 91,085  
Prior 223,551 189,021  
Revolving Loans Amortized Cost Basis 41,568 16,493  
Total 2,313,407 2,046,533  
Commercial real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 24,300  
2023 11,953 34,424  
2022 65,206 255  
2021 22,440 1,037  
2020 4,090 333  
Prior 24,599 146  
Revolving Loans Amortized Cost Basis 983 0  
Total 129,271 60,495  
Commercial real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2024 3,983 17,403  
2023 0 0  
2022 79,280 0  
2021 175 0  
2020 0 9,746  
Prior 13,232 25,072  
Revolving Loans Amortized Cost Basis 0 0  
Total 96,670 52,221  
Commercial real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 862  
2022 27,994 95  
2021 6,409 269  
2020 250 1,565  
Prior 5,649 6,346  
Revolving Loans Amortized Cost Basis 0 0  
Total 40,302 9,137  
Commercial real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 65  
Prior 85 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 85 65  
Commercial loans      
Term Loans Amortized Cost Basis by Origination Year      
2024 83,514 78,533  
2023 52,595 65,118  
2022 40,496 42,437  
2021 14,955 10,724  
2020 5,926 4,485  
Prior 3,758 3,622  
Revolving Loans Amortized Cost Basis 161,923 161,974  
Total 363,167 366,893  
Current period gross charge-offs      
2024 24 745  
2023 462 440  
2022 590 44  
2021 85 26  
2020 0 23  
Prior 12 5  
Revolving Loans Amortized Cost Basis 0 0  
Total 1,173 1,283 792
Commercial loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 83,118 78,090  
2023 51,895 62,192  
2022 39,449 42,114  
2021 13,887 10,708  
2020 5,875 4,356  
Prior 3,091 3,310  
Revolving Loans Amortized Cost Basis 155,671 161,153  
Total 352,986 361,923  
Commercial loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 30 128  
2022 603 117  
2021 787 0  
2020 29 0  
Prior 513 18  
Revolving Loans Amortized Cost Basis 4,972 0  
Total 6,934 263  
Commercial loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 191  
2023 327 174  
2022 29 0  
2021 83 16  
2020 0 0  
Prior 101 162  
Revolving Loans Amortized Cost Basis 180 0  
Total 720 543  
Commercial loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2024 365 14  
2023 99 2,357  
2022 281 73  
2021 137 0  
2020 22 65  
Prior 1 12  
Revolving Loans Amortized Cost Basis 1,100 821  
Total 2,005 3,342  
Commercial loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2024 31 238  
2023 244 267  
2022 134 133  
2021 61 0  
2020 0 64  
Prior 52 120  
Revolving Loans Amortized Cost Basis 0 0  
Total 522 822  
Municipal loans      
Term Loans Amortized Cost Basis by Origination Year      
2024 1,949 39,028  
2023 34,398 61,429  
2022 57,862 68,979  
2021 64,041 49,746  
2020 42,007 39,949  
Prior 190,711 182,037  
Revolving Loans Amortized Cost Basis 0 0  
Total 390,968 441,168  
Current period gross charge-offs      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 0 0  
Prior 0 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 0 0 0
Municipal loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 1,949 39,028  
2023 34,398 61,429  
2022 57,862 68,979  
2021 64,041 49,746  
2020 41,115 39,949  
Prior 188,309 182,037  
Revolving Loans Amortized Cost Basis 0 0  
Total 387,674 441,168  
Municipal loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 892 0  
Prior 2,402 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 3,294 0  
Municipal loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 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      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 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      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 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      
2024 18,765 22,792  
2023 10,891 15,520  
2022 7,814 11,588  
2021 5,951 6,266  
2020 2,908 2,193  
Prior 959 941  
Revolving Loans Amortized Cost Basis 2,216 2,216  
Total 49,504 61,516  
Current period gross charge-offs      
2024 1,655 [1] 1,682 [2]  
2023 34 54  
2022 43 61  
2021 26 20  
2020 33 6  
Prior 33 99  
Revolving Loans Amortized Cost Basis 0 0  
Total 1,824 1,922 $ 1,723
Loans to individuals | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 18,765 22,788  
2023 10,881 15,503  
2022 7,719 11,588  
2021 5,949 6,256  
2020 2,900 2,180  
Prior 949 941  
Revolving Loans Amortized Cost Basis 2,215 2,216  
Total 49,378 61,472  
Loans to individuals | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 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      
2024 0 0  
2023 0 0  
2022 0 0  
2021 0 0  
2020 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      
2024 0 0  
2023 2 0  
2022 28 0  
2021 0 0  
2020 0 13  
Prior 4 0  
Revolving Loans Amortized Cost Basis 1 0  
Total 35 13  
Loans to individuals | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
2024 0 4  
2023 8 17  
2022 67 0  
2021 2 10  
2020 8 0  
Prior 6 0  
Revolving Loans Amortized Cost Basis 0 0  
Total 91 31  
Demand Deposit Overdrafts      
Current period gross charge-offs      
2024 $ 1,200 $ 1,700  
[1] Includes $1.2 million in charged off demand deposit overdrafts reported as 2024 originations
[2] Includes $1.7 million in charged off demand deposit overdrafts reported as 2023 originations
[3] 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.