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INCOME TAXES (Reconciliation of statutory federal income tax rate) (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
INCOME TAXES      
Pretax income at statutory, amount $ 20,367 $ 22,453 $ 20,349
Pretax income at statutory rates 21.00% 21.00% 21.00%
State and local taxes, net of federal income tax benefit, amount $ 8,804 $ 8,539 $ 9,544
State and local taxes, net of federal income tax benefit, rate 9.08% 7.99% 9.85%
Nondeductible expenses, amount $ 1,780 $ (940) $ 8,175
Nondeductible expenses, rate 1.84% (0.88%) 8.44%
Equity compensation, amount   $ (1,063) $ (302)
Equity compensation, rate   (0.99%) (0.31%)
Tax-exempt income, net amount $ (103) $ (104) $ (106)
Tax-exempt income, net rate (0.11%) (0.10%) (0.11%)
Other, amount $ (453) $ 765 $ (187)
Other, rate (0.47%) 0.71% (0.20%)
Total income tax expense $ 30,395 $ 29,650 $ 37,473
Effective income tax expense, rate 31.34% 27.73% 38.67%