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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in Allowance for Credit Losses) (Details) - USD ($)
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance $ 29,862,000 $ 29,219,000 $ 29,251,000 $ 29,941,000 $ 29,941,000
Provision for Credit Losses 1,550,000 1,879,000 3,351,000 3,890,000  
Charge-Offs (1,968,000) (2,283,000) (5,077,000) (6,878,000)  
Recoveries 758,000 1,021,000 2,677,000 2,883,000  
Net (Charge-Offs) Recoveries (1,210,000) (1,262,000) (2,400,000) (3,995,000)  
Ending Balance 30,202,000 29,836,000 30,202,000 29,836,000 29,251,000
Commercial, Financial and Agricultural [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,425,000 1,575,000 1,514,000 1,482,000 1,482,000
Provision for Credit Losses 370,000 134,000 331,000 809,000  
Charge-Offs (373,000) (331,000) (615,000) (1,013,000) (1,512,000)
Recoveries 95,000 176,000 287,000 276,000  
Net (Charge-Offs) Recoveries (278,000) (155,000) (328,000) (737,000)  
Ending Balance 1,517,000 1,554,000 1,517,000 1,554,000 1,514,000
Real Estate - Construction [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,811,000 1,751,000 2,384,000 2,502,000 2,502,000
Provision for Credit Losses (352,000) 442,000 (925,000) (309,000)  
Charge-Offs 0 0 0 0 (47,000)
Recoveries 0 0 0 0  
Net (Charge-Offs) Recoveries 0 0 0 0  
Ending Balance 1,459,000 2,193,000 1,459,000 2,193,000 2,384,000
Real Estate - Commercial Mortgage [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 6,256,000 6,076,000 5,867,000 5,782,000 5,782,000
Provision for Credit Losses 268,000 547,000 648,000 618,000  
Charge-Offs 0 (3,000) 0 (3,000) (3,000)
Recoveries 8,000 5,000 17,000 228,000  
Net (Charge-Offs) Recoveries 8,000 2,000 17,000 225,000  
Ending Balance 6,532,000 6,625,000 6,532,000 6,625,000 5,867,000
Real Estate - Residential [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 15,264,000 14,788,000 14,568,000 15,056,000 15,056,000
Provision for Credit Losses 164,000 (240,000) 733,000 (551,000)  
Charge-Offs (12,000) 0 (69,000) (17,000) (61,000)
Recoveries 13,000 88,000 197,000 148,000  
Net (Charge-Offs) Recoveries 1,000 88,000 128,000 131,000  
Ending Balance 15,429,000 14,636,000 15,429,000 14,636,000 14,568,000
Real Estate - Home Equity [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,014,000 1,865,000 1,952,000 1,818,000 1,818,000
Provision for Credit Losses 200,000 (49,000) 235,000 13,000  
Charge-Offs (10,000) (23,000) (34,000) (99,000) (132,000)
Recoveries 10,000 59,000 61,000 120,000  
Net (Charge-Offs) Recoveries 0 36,000 27,000 21,000  
Ending Balance 2,214,000 1,852,000 2,214,000 1,852,000 1,952,000
Consumer [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 3,092,000 3,164,000 2,966,000 3,301,000 3,301,000
Provision for Credit Losses 900,000 1,045,000 2,329,000 3,310,000  
Charge-Offs (1,573,000) (1,926,000) (4,359,000) (5,746,000) (7,627,000)
Recoveries 632,000 693,000 2,115,000 2,111,000  
Net (Charge-Offs) Recoveries (941,000) (1,233,000) (2,244,000) (3,635,000)  
Ending Balance $ 3,051,000 $ 2,976,000 $ 3,051,000 $ 2,976,000 $ 2,966,000