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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 | 6 Months Ended
--- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | $ 58,538,000 | $ 47,752,000 | $ 57,965,000 | $ 44,876,000
Provision/(credit) for credit losses | 1,486,000 | 3,942,000 | 2,059,000 | 4,667,000
Loans charged-off | (16,000) | (44,000) | (18,000) | (143,000)
Recoveries |  |  | 2,000 |
Total ending allowance balance | 60,008,000 | 51,650,000 | 60,008,000 | 51,650,000
Net charge-offs | (16,000) | 44,000 | (16,000) | 143,000
Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | 2,250,000 |  | 2,250,000
Real Estate | Commercial |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 36,704,000 | 31,836,000 | 35,635,000 | 29,496,000
Provision/(credit) for credit losses | 1,780,000 | 2,785,000 | 2,848,000 | 5,077,000
Recoveries |  |  | 1,000 |
Total ending allowance balance | 38,484,000 | 34,621,000 | 38,484,000 | 34,621,000
Real Estate | Commercial | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | 48,000 |  | 48,000
Real Estate | Construction |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 1,712,000 | 1,261,000 | 1,765,000 | 1,983,000
Provision/(credit) for credit losses | 47,000 | 339,000 | (6,000) | (807,000)
Total ending allowance balance | 1,759,000 | 1,600,000 | 1,759,000 | 1,600,000
Real Estate | Construction | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | 424,000 |  | 424,000
Real Estate | Multi-family |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 8,171,000 | 2,871,000 | 8,215,000 | 2,823,000
Provision/(credit) for credit losses | (344,000) | 672,000 | (388,000) | 15,000
Total ending allowance balance | 7,827,000 | 3,543,000 | 7,827,000 | 3,543,000
Real Estate | Multi-family | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | 705,000 |  | 705,000
Real Estate | One-to-four-family |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 521,000 | 407,000 | 663,000 | 105,000
Provision/(credit) for credit losses | (390,000) | (45,000) | (532,000) | 76,000
Total ending allowance balance | 131,000 | 362,000 | 131,000 | 362,000
Real Estate | One-to-four-family | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | 181,000 |  | 181,000
Commercial & industrial |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 10,937,000 | 10,757,000 | 11,207,000 | 10,274,000
Provision/(credit) for credit losses | 345,000 | 220,000 | 75,000 | 232,000
Total ending allowance balance | 11,282,000 | 10,977,000 | 11,282,000 | 10,977,000
Commercial & industrial | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | 471,000 |  | 471,000
Consumer |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | 493,000 | 620,000 | 480,000 | 195,000
Provision/(credit) for credit losses | 48,000 | (29,000) | 62,000 | 74,000
Loans charged-off | (16,000) | (44,000) | (18,000) | (143,000)
Recoveries |  |  | 1,000 |
Total ending allowance balance | $ 525,000 | 547,000 | $ 525,000 | 547,000
Consumer | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Total ending allowance balance |  | $ 421,000 |  | $ 421,000

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