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FORECLOSED ASSETS
 9 Months Ended
Sep. 30, 2025
Other Real Estate, Foreclosed Assets, and Repossessed Assets [Abstract]  
FORCLOSED ASSETS FORECLOSED ASSETS
Foreclosed assets activity was as follows:
Three Months Ended September 30,Nine Months Ended September 30,
(dollars in thousands)2025202420252024
Beginning balance$890 $320 $367 $852 
Transfers from loans640 278 1,605 652 
Proceeds from sales(671)(178)(1,140)(1,143)
Net gain on sales183 10 224 105 
Direct write-downs(35)(54)(49)(90)
Ending balance$1,007 $376 $1,007 $376 
Gains (losses) on foreclosed assets included the following:
Three Months Ended September 30,Nine Months Ended September 30,
(dollars in thousands)2025202420252024
Direct write-downs$(35)$(54)$(49)$(90)
Net gain on sales183 10 224 105 
Gains (losses) on foreclosed assets$148 $(44)$175 $15 
As of September 30, 2025 and December 31, 2024, the carrying value of foreclosed one-to-four family residential real estate properties held was $0.7 million and $0.3 million, respectively. As of September 30, 2025, there were 3 one-to-four family residential real estate loans in the process of foreclosure totaling $0.4 million. As of December 31, 2024, there were 19 one-to-four family residential real estate loans in the process of foreclosure totaling $1.8 million.