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COMMITMENTS AND CONTINGENCIES (Tables)
9 Months Ended
Sep. 30, 2025
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 September 30, 2025

At December 31, 2024

Fixed

Variable

Fixed

Variable

    

Rate

    

Rate

    

Rate

    

Rate

Unused loan commitments

$

91,151

$

603,174

$

108,561

$

586,821

Standby and commercial letters of credit

27,145

31,920

$

118,296

$

603,174

$

140,481

$

586,821