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COMMITMENTS AND CONTINGENCIES (Tables)
12 Months Ended
Dec. 31, 2024
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 December 31, 2024

At December 31, 2023

Fixed

Variable

Fixed

Variable

    

Rate

    

Rate

    

Rate

    

Rate

Unused loan commitments

$

108,561

$

586,821

$

67,418

$

527,730

Standby and commercial letters of credit

31,920

59,532

$

140,481

$

586,821

$

126,950

$

527,730