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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, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | $ 29,734,000 | $ 29,329,000 | $ 29,251,000 | $ 29,941,000 | $ 29,941,000
Provision for Credit Losses | 718,000 | 1,129,000 | 1,801,000 | 2,011,000 |
Charge-Offs | (1,498,000) | (2,032,000) | (3,109,000) | (4,595,000) |
Recoveries | 908,000 | 793,000 | 1,919,000 | 1,862,000 |
Net (Charge-Offs) Recoveries | (590,000) | (1,239,000) | (1,190,000) | (2,733,000) |
Ending Balance | 29,862,000 | 29,219,000 | 29,862,000 | 29,219,000 | 29,251,000
Commercial, Financial and Agricultural [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 1,468,000 | 1,525,000 | 1,514,000 | 1,482,000 | 1,482,000
Provision for Credit Losses | (86,000) | 391,000 | (39,000) | 675,000 |
Charge-Offs | (74,000) | (400,000) | (242,000) | (682,000) | (1,512,000)
Recoveries | 117,000 | 59,000 | 192,000 | 100,000 |
Net (Charge-Offs) Recoveries | 43,000 | (341,000) | (50,000) | (582,000) |
Ending Balance | 1,425,000 | 1,575,000 | 1,425,000 | 1,575,000 | 1,514,000
Real Estate - Construction [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 2,233,000 | 1,869,000 | 2,384,000 | 2,502,000 | 2,502,000
Provision for Credit Losses | (422,000) | (118,000) | (573,000) | (751,000) |
Charge-Offs | 0 | 0 | 0 | 0 | (47,000)
Recoveries | 0 | 0 | 0 | 0 |
Net (Charge-Offs) Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 1,811,000 | 1,751,000 | 1,811,000 | 1,751,000 | 2,384,000
Real Estate - Commercial Mortgage [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 6,061,000 | 5,947,000 | 5,867,000 | 5,782,000 | 5,782,000
Provision for Credit Losses | 189,000 | 110,000 | 380,000 | 71,000 |
Charge-Offs | 0 | 0 | 0 | 0 | (3,000)
Recoveries | 6,000 | 19,000 | 9,000 | 223,000 |
Net (Charge-Offs) Recoveries | 6,000 | 19,000 | 9,000 | 223,000 |
Ending Balance | 6,256,000 | 6,076,000 | 6,256,000 | 6,076,000 | 5,867,000
Real Estate - Residential [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 14,885,000 | 14,828,000 | 14,568,000 | 15,056,000 | 15,056,000
Provision for Credit Losses | 363,000 | (63,000) | 569,000 | (311,000) |
Charge-Offs | (49,000) | 0 | (57,000) | (17,000) | (61,000)
Recoveries | 65,000 | 23,000 | 184,000 | 60,000 |
Net (Charge-Offs) Recoveries | 16,000 | 23,000 | 127,000 | 43,000 |
Ending Balance | 15,264,000 | 14,788,000 | 15,264,000 | 14,788,000 | 14,568,000
Real Estate - Home Equity [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 2,029,000 | 1,896,000 | 1,952,000 | 1,818,000 | 1,818,000
Provision for Credit Losses | (33,000) | (68,000) | 35,000 | 62,000 |
Charge-Offs | (24,000) | 0 | (24,000) | (76,000) | (132,000)
Recoveries | 42,000 | 37,000 | 51,000 | 61,000 |
Net (Charge-Offs) Recoveries | 18,000 | 37,000 | 27,000 | (15,000) |
Ending Balance | 2,014,000 | 1,865,000 | 2,014,000 | 1,865,000 | 1,952,000
Consumer [Member] |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 3,058,000 | 3,264,000 | 2,966,000 | 3,301,000 | 3,301,000
Provision for Credit Losses | 707,000 | 877,000 | 1,429,000 | 2,265,000 |
Charge-Offs | (1,351,000) | (1,632,000) | (2,786,000) | (3,820,000) | (7,627,000)
Recoveries | 678,000 | 655,000 | 1,483,000 | 1,418,000 |
Net (Charge-Offs) Recoveries | (673,000) | (977,000) | (1,303,000) | (2,402,000) |
Ending Balance | $ 3,092,000 | $ 3,164,000 | $ 3,092,000 | $ 3,164,000 | $ 2,966,000

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