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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