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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | $ 64,987 | $ 60,797 | $ 63,480 | $ 60,754
Provision (credit) charged to expense |  |  | 1,500 |
Losses charged off | (477) | (433) | (942) | (870)
Recoveries | 342 | 694 | 814 | 1,174
Balance at end of period | 64,852 | 61,058 | 64,852 | 61,058
Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 11,990 | 9,436 | 12,816 | 9,629
Provision (credit) charged to expense | (1,619) | 2,223 | (2,445) | 2,030
Balance at end of period | 10,371 | 11,659 | 10,371 | 11,659
One- To Four-Family Residential and Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 11,797 | 9,382 | 11,171 | 9,364
Provision (credit) charged to expense |  |  | 647 |
Losses charged off |  | (2) | (31) | (38)
Recoveries | 21 | 54 | 31 | 108
Balance at end of period | 11,818 | 9,434 | 11,818 | 9,434
One- To Four-Family Residential and Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 832 | 1,199 | 736 | 687
Provision (credit) charged to expense | (74) | (61) | 22 | 451
Balance at end of period | 758 | 1,138 | 758 | 1,138
Other Residential |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 13,189 | 10,502 | 12,110 | 10,502
Provision (credit) charged to expense |  |  | 1,079 |
Recoveries |  | 110 |  | 110
Balance at end of period | 13,189 | 10,612 | 13,189 | 10,612
Other Residential | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 8,058 | 4,700 | 8,624 | 5,703
Provision (credit) charged to expense | (1,267) | 2,719 | (1,833) | 1,716
Balance at end of period | 6,791 | 7,419 | 6,791 | 7,419
Commercial Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 25,506 | 28,604 | 27,096 | 28,604
Provision (credit) charged to expense |  |  | (1,590) |
Recoveries | 2 |  | 2 |
Balance at end of period | 25,508 | 28,604 | 25,508 | 28,604
Commercial Real Estate | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 445 | 423 | 416 | 367
Provision (credit) charged to expense | 19 | 78 | 48 | 134
Balance at end of period | 464 | 501 | 464 | 501
Commercial Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 2,502 | 2,797 | 2,865 | 2,797
Provision (credit) charged to expense |  |  | (363) |
Balance at end of period | 2,502 | 2,797 | 2,502 | 2,797
Commercial Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 891 | 1,069 | 802 | 908
Provision (credit) charged to expense | (20) | (374) | 69 | (213)
Balance at end of period | 871 | 695 | 871 | 695
Commercial Business |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 7,821 | 4,162 | 5,822 | 4,142
Provision (credit) charged to expense |  |  | 1,851 |
Recoveries | 6 | 203 | 154 | 223
Balance at end of period | 7,827 | 4,365 | 7,827 | 4,365
Commercial Business | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 1,263 | 1,618 | 1,734 | 1,582
Provision (credit) charged to expense | (276) | (212) | (747) | (176)
Balance at end of period | 987 | 1,406 | 987 | 1,406
Consumer |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 4,172 | 5,350 | 4,416 | 5,345
Provision (credit) charged to expense |  |  | (124) |
Losses charged off | (477) | (431) | (911) | (832)
Recoveries | 313 | 327 | 627 | 733
Balance at end of period | 4,008 | 5,246 | 4,008 | 5,246
Consumer | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 501 | 427 | 504 | 382
Provision (credit) charged to expense | (1) | 73 | (4) | 118
Balance at end of period | $ 500 | $ 500 | $ 500 | $ 500

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