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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financing Receivable, Allowance for Credit Loss (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2022 | Sep. 30, 2021 | Sep. 30, 2022 | Sep. 30, 2021 | Sep. 30, 2021
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | $ 61,058 | $ 66,602 | $ 60,754 | $ 67,338 |
Provision (credit) charged to expense | 2,000 | (3,000) | 2,000 | (3,700) | $ (3,700)
Losses charged off | (621) | (486) | (1,491) | (2,040) |
Recoveries | 324 | 513 | 1,498 | 2,031 |
Balance at end of period | 62,761 | 63,629 | 62,761 | 63,629 | 63,629
Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 11,659 | 7,709 | 9,629 |  | 8,690
Provision (credit) charged to expense | 1,315 | 643 | 3,345 |  | (338)
Balance at end of period | 12,974 | 8,352 | 12,974 | 8,352 | 8,352
CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 11,595
CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 8,690
Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 55,743
One- to four-family residential |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 9,434 | 9,209 | 9,364 | 9,069 |
Provision (credit) charged to expense | 1,076 |  | 1,076 |  |
Losses charged off |  | (37) | (38) | (179) |
Recoveries | 20 | 45 | 128 | 327 |
Balance at end of period | 10,530 | 9,217 | 10,530 | 9,217 | 9,217
One- to four-family residential | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 1,138 | 760 | 687 |  | 917
Provision (credit) charged to expense | (401) | 5 | 50 |  | (152)
Balance at end of period | 737 | 765 | 737 | 765 | 765
One- to four-family residential | CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 4,533
One- to four-family residential | CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 917
One- to four-family residential | Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 4,536
Other Residential |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 10,612 | 15,299 | 10,502 | 15,207 |
Provision (credit) charged to expense | 881 |  | 881 |  |
Recoveries |  |  | 110 | 92 |
Balance at end of period | 11,493 | 15,299 | 11,493 | 15,299 | 15,299
Other Residential | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 7,419 | 4,972 | 5,703 |  | 5,227
Provision (credit) charged to expense | 967 | 188 | 2,683 |  | (67)
Balance at end of period | 8,386 | 5,160 | 8,386 | 5,160 | 5,160
Other Residential | CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 5,832
Other Residential | CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 5,227
Other Residential | Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 9,375
Commercial real estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 28,604 | 30,507 | 28,604 | 31,176 |
Provision (credit) charged to expense | (1,105) | (3,000) | (1,105) | (3,700) |
Recoveries | 1 | 6 | 1 | 37 |
Balance at end of period | 27,500 | 27,513 | 27,500 | 27,513 | 27,513
Commercial real estate | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 501 | 417 | 367 |  | 354
Provision (credit) charged to expense | 17 | (79) | 151 |  | (16)
Balance at end of period | 518 | 338 | 518 | 338 | 338
Commercial real estate | CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | (2,531)
Commercial real estate | CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 354
Commercial real estate | Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 33,707
Commercial Construction |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 2,797 | 2,215 | 2,797 | 2,356 |
Provision (credit) charged to expense | 265 |  | 265 |  |
Losses charged off |  |  |  | (154) |
Recoveries |  | 6 |  | 19 |
Balance at end of period | 3,062 | 2,221 | 3,062 | 2,221 | 2,221
Commercial Construction | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 695 | 354 | 908 |  | 910
Provision (credit) charged to expense | 553 |  | 340 |  | (556)
Balance at end of period | 1,248 | 354 | 1,248 | 354 | 354
Commercial Construction | CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | (1,165)
Commercial Construction | CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 910
Commercial Construction | Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 3,521
Commercial Business |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 4,365 | 3,932 | 4,142 | 3,889 |
Provision (credit) charged to expense | 1,302 |  | 1,302 |  |
Losses charged off | (50) | (3) | (50) | (60) |
Recoveries | 15 | 52 | 238 | 152 |
Balance at end of period | 5,632 | 3,981 | 5,632 | 3,981 | 3,981
Commercial Business | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 1,406 | 821 | 1,582 |  | 935
Provision (credit) charged to expense | 146 | 534 | (30) |  | 420
Balance at end of period | 1,552 | 1,355 | 1,552 | 1,355 | 1,355
Commercial Business | CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 1,499
Commercial Business | CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 935
Commercial Business | Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 2,390
Consumer. |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 5,246 | 5,440 | 5,345 | 5,641 |
Provision (credit) charged to expense | (419) |  | (419) |  |
Losses charged off | (571) | (446) | (1,403) | (1,647) |
Recoveries | 288 | 404 | 1,021 | 1,404 |
Balance at end of period | 4,544 | 5,398 | 4,544 | 5,398 | 5,398
Consumer. | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period | 500 | 385 | 382 |  | 347
Provision (credit) charged to expense | 33 | (5) | 151 |  | 33
Balance at end of period | $ 533 | $ 380 | $ 533 | $ 380 | 380
Consumer. | CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 3,427
Consumer. | CECL adoption | Allowance for unfunded commitment |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | 347
Consumer. | Before CECL adoption |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Balance at beginning of period |  |  |  |  | $ 2,214

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