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LOANS (Schedule of Activity in the Allowance for Loan Losses by Segment) (Details) - USD ($) | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward] |  |
Balance at the beginning of period | $ 57,965,000 | $ 44,876,000
Provision for credit losses | 5,431,000 | 12,058,000
Loans charged-off | (247,000) | (1,219,000)
Recoveries | 124,000 |
Total ending allowance balance | 63,273,000 | 57,965,000
Net charge-offs | 123,000 | 1,200,000
Cumulative Effect, Period of Adoption, Adjustment |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Balance at the beginning of period | 2,250,000 |
Total ending allowance balance |  | 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
Provision for credit losses | 6,434,000 | 6,091,000
Recoveries | 1,000 |
Total ending allowance balance | 42,070,000 | 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 |
Total ending allowance balance |  | 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
Provision for credit losses | 197,000 | (642,000)
Total ending allowance balance | 1,962,000 | 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 |
Total ending allowance balance |  | 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
Provision for credit losses | (925,000) | 4,687,000
Total ending allowance balance | 7,290,000 | 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 |
Total ending allowance balance |  | 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
Provision for credit losses | (86,000) | 377,000
Total ending allowance balance | 577,000 | 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 |
Total ending allowance balance |  | 181,000
Commercial & industrial |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Balance at the beginning of period | 11,207,000 | 10,274,000
Provision for credit losses | (336,000) | 1,408,000
Loans charged-off |  | (946,000)
Recoveries | 120,000 |
Total ending allowance balance | 10,991,000 | 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 |
Total ending allowance balance |  | 471,000
Consumer |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |
Balance at the beginning of period | 480,000 | 195,000
Provision for credit losses | 147,000 | 137,000
Loans charged-off | (247,000) | (273,000)
Recoveries | 3,000 |
Total ending allowance balance | 383,000 | 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 |
Total ending allowance balance |  | $ 421,000

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- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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