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COMMITMENTS AND CONTINGENCIES (Tables)
3 Months Ended
Mar. 31, 2023
COMMITMENTS AND CONTINGENCIES  
Schedule of off-balance-sheet financial instruments

The following off-balance-sheet financial instruments, whose contract amounts represent credit risk, are outstanding (in thousands):

At March 31, 2023

At December 31, 2022

Fixed

Variable

Fixed

Variable

    

Rate

    

Rate

    

Rate

    

Rate

Unused commitments

$

36,520

$

387,399

$

40,685

$

364,908

Standby and commercial letters of credit

58,676

53,947

$

95,196

$

387,399

$

94,632

$

364,908