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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 | 9 Months Ended
--- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |
Balance at the beginning of period | $ 60,008,000 | $ 51,650,000 | $ 57,965,000 | $ 44,876,000
Provision/(credit) for credit losses | 2,605,000 | 777,000 | 4,664,000 | 5,445,000
Loans charged-off | (122,000) | (129,000) | (140,000) | (273,000)
Recoveries | 2,000 |  | 4,000 |
Total ending allowance balance | 62,493,000 | 52,298,000 | 62,493,000 | 52,298,000
Net charge-offs | 120,000 | 129,000 | 136,000 | 273,000
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 | 38,484,000 | 34,621,000 | 35,635,000 | 29,496,000
Provision/(credit) for credit losses | 2,965,000 | 404,000 | 5,813,000 | 5,481,000
Recoveries |  |  | 1,000 |
Total ending allowance balance | 41,449,000 | 35,025,000 | 41,449,000 | 35,025,000
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 | 1,759,000 | 1,600,000 | 1,765,000 | 1,983,000
Provision/(credit) for credit losses | (41,000) | 169,000 | (47,000) | (638,000)
Total ending allowance balance | 1,718,000 | 1,769,000 | 1,718,000 | 1,769,000
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 | 7,827,000 | 3,543,000 | 8,215,000 | 2,823,000
Provision/(credit) for credit losses | (329,000) | (54,000) | (717,000) | (39,000)
Total ending allowance balance | 7,498,000 | 3,489,000 | 7,498,000 | 3,489,000
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 | 131,000 | 362,000 | 663,000 | 105,000
Provision/(credit) for credit losses | 282,000 | (11,000) | (250,000) | 65,000
Total ending allowance balance | 413,000 | 351,000 | 413,000 | 351,000
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 | 11,282,000 | 10,977,000 | 11,207,000 | 10,274,000
Provision/(credit) for credit losses | (338,000) | 119,000 | (263,000) | 351,000
Total ending allowance balance | 10,944,000 | 11,096,000 | 10,944,000 | 11,096,000
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 | 525,000 | 547,000 | 480,000 | 195,000
Provision/(credit) for credit losses | 66,000 | 150,000 | 128,000 | 225,000
Loans charged-off | (122,000) | (129,000) | (140,000) | (273,000)
Recoveries | 2,000 |  | 3,000 |
Total ending allowance balance | $ 471,000 | 568,000 | $ 471,000 | 568,000
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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