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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($) | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | $ 29,329,000 | $ 26,808,000 | $ 29,941,000 | $ 25,068,000 | $ 25,068,000
Provision for Credit Losses | 1,129,000 | 1,922,000 | 2,011,000 | 5,182,000 |
Charge-Offs | (2,032,000) | (1,980,000) | (4,595,000) | (4,630,000) |
Recoveries | 793,000 | 1,493,000 | 1,862,000 | 2,623,000 |
Net (Charge-Offs) Recoveries | (1,239,000) | (487,000) | (2,733,000) | (2,007,000) |
Ending Balance | 29,219,000 | 28,243,000 | 29,219,000 | 28,243,000 | 29,941,000
Commercial, Financial and Agricultural [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 1,525,000 | 1,515,000 | 1,482,000 | 1,506,000 | 1,506,000
Provision for Credit Losses | 391,000 | (86,000) | 675,000 | (8,000) |
Charge-Offs | (400,000) | (54,000) | (682,000) | (218,000) | (511,000)
Recoveries | 59,000 | 71,000 | 100,000 | 166,000 |
Net (Charge-Offs) Recoveries | (341,000) | 17,000 | (582,000) | (52,000) |
Ending Balance | 1,575,000 | 1,446,000 | 1,575,000 | 1,446,000 | 1,482,000
Real Estate - Construction [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 1,869,000 | 3,359,000 | 2,502,000 | 2,654,000 | 2,654,000
Provision for Credit Losses | (118,000) | (512,000) | (751,000) | 192,000 |
Charge-Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 1,000 | 0 | 2,000 |
Net (Charge-Offs) Recoveries | 0 | 1,000 | 0 | 2,000 |
Ending Balance | 1,751,000 | 2,848,000 | 1,751,000 | 2,848,000 | 2,502,000
Real Estate - Commercial Mortgage [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 5,947,000 | 4,710,000 | 5,782,000 | 4,815,000 | 4,815,000
Provision for Credit Losses | 110,000 | 732,000 | 71,000 | 739,000 |
Charge-Offs | 0 | 0 | 0 | (120,000) | (120,000)
Recoveries | 19,000 | 11,000 | 223,000 | 19,000 |
Net (Charge-Offs) Recoveries | 19,000 | 11,000 | 223,000 | (101,000) |
Ending Balance | 6,076,000 | 5,453,000 | 6,076,000 | 5,453,000 | 5,782,000
Real Estate - Residential [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 14,828,000 | 11,950,000 | 15,056,000 | 10,741,000 | 10,741,000
Provision for Credit Losses | (63,000) | 1,306,000 | (311,000) | 2,458,000 |
Charge-Offs | 0 | 0 | (17,000) | 0 | (79,000)
Recoveries | 23,000 | 132,000 | 60,000 | 189,000 |
Net (Charge-Offs) Recoveries | 23,000 | 132,000 | 43,000 | 189,000 |
Ending Balance | 14,788,000 | 13,388,000 | 14,788,000 | 13,388,000 | 15,056,000
Real Estate - Home Equity [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 1,896,000 | 1,879,000 | 1,818,000 | 1,864,000 | 1,864,000
Provision for Credit Losses | (68,000) | (188,000) | 62,000 | (198,000) |
Charge-Offs | 0 | (39,000) | (76,000) | (39,000) | (39,000)
Recoveries | 37,000 | 131,000 | 61,000 | 156,000 |
Net (Charge-Offs) Recoveries | 37,000 | 92,000 | (15,000) | 117,000 |
Ending Balance | 1,865,000 | 1,783,000 | 1,865,000 | 1,783,000 | 1,818,000
Consumer [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 3,264,000 | 3,395,000 | 3,301,000 | 3,488,000 | 3,488,000
Provision for Credit Losses | 877,000 | 670,000 | 2,265,000 | 1,999,000 |
Charge-Offs | (1,632,000) | (1,887,000) | (3,820,000) | (4,253,000) | (8,543,000)
Recoveries | 655,000 | 1,147,000 | 1,418,000 | 2,091,000 |
Net (Charge-Offs) Recoveries | (977,000) | (740,000) | (2,402,000) | (2,162,000) |
Ending Balance | $ 3,164,000 | $ 3,325,000 | $ 3,164,000 | $ 3,325,000 | $ 3,301,000

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