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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Activity in the Allowance for Loan Losses by Segment) (Details) - USD ($)
 3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period $ 57,965,000 $ 44,876,000 $ 44,876,000
Provision/(credit) for credit losses 574,000 726,000  
Loans charged-off (3,000) (100,000)  
Recoveries 2,000    
Total ending allowance balance 58,538,000 47,752,000 57,965,000
Net charge-offs (1,000)   (100,000)
Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   2,250,000 2,250,000
Real Estate | Commercial      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period 35,635,000 29,496,000 29,496,000
Provision/(credit) for credit losses 1,068,000 2,292,000  
Recoveries 1,000    
Total ending allowance balance 36,704,000 31,836,000 35,635,000
Real Estate | Commercial | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   48,000 48,000
Real Estate | Construction      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period 1,765,000 1,983,000 1,983,000
Provision/(credit) for credit losses (53,000) (1,146,000)  
Total ending allowance balance 1,712,000 1,261,000 1,765,000
Real Estate | Construction | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   424,000 424,000
Real Estate | Multi-family      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period 8,215,000 2,823,000 2,823,000
Provision/(credit) for credit losses (44,000) (657,000)  
Total ending allowance balance 8,171,000 2,871,000 8,215,000
Real Estate | Multi-family | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   705,000 705,000
Real Estate | One-to-four-family      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period 663,000 105,000 105,000
Provision/(credit) for credit losses (142,000) 121,000  
Total ending allowance balance 521,000 407,000 663,000
Real Estate | One-to-four-family | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   181,000 181,000
Commercial & industrial      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period 11,207,000 10,274,000 10,274,000
Provision/(credit) for credit losses (270,000) 12,000  
Total ending allowance balance 10,937,000 10,757,000 11,207,000
Commercial & industrial | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   471,000 471,000
Consumer      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period 480,000 195,000 195,000
Provision/(credit) for credit losses 15,000 104,000  
Loans charged-off (3,000) (100,000)  
Recoveries 1,000    
Total ending allowance balance $ 493,000 620,000 480,000
Consumer | Cumulative Effect, Period of Adoption, Adjustment      
Allowance for Loan and Lease Losses [Roll Forward]      
Balance at the beginning of period   $ 421,000 $ 421,000