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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | $ 65,255 | $ 64,852 | $ 64,670 | $ 63,480
Provision (credit) charged to expense | 1,200 |  | 1,700 | 1,500
Losses charged off | (1,731) | (498) | (2,707) | (1,440)
Recoveries | 191 | 399 | 1,252 | 1,213
Balance at end of period | 64,915 | 64,753 | 64,915 | 64,753
Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 7,010 | 10,371 | 7,487 | 12,816
Provision (credit) charged to expense | (63) | (1,195) | (540) | (3,640)
Balance at end of period | 6,947 | 9,176 | 6,947 | 9,176
One- To Four-Family Residential and Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 9,678 | 11,818 | 9,820 | 11,171
Provision (credit) charged to expense | (463) |  | (570) | 647
Losses charged off |  |  | (65) | (31)
Recoveries | 4 | 41 | 34 | 72
Balance at end of period | 9,219 | 11,859 | 9,219 | 11,859
One- To Four-Family Residential and Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 673 | 758 | 706 | 736
Provision (credit) charged to expense | (262) | 146 | (295) | 168
Balance at end of period | 411 | 904 | 411 | 904
Other Residential |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 13,886 | 13,189 | 13,370 | 12,110
Provision (credit) charged to expense | 1,708 |  | 2,224 | 1,079
Balance at end of period | 15,594 | 13,189 | 15,594 | 13,189
Other Residential | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 3,346 | 6,791 | 4,006 | 8,624
Provision (credit) charged to expense | (543) | (1,412) | (1,203) | (3,245)
Balance at end of period | 2,803 | 5,379 | 2,803 | 5,379
Commercial Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 29,469 | 25,508 | 28,171 | 27,096
Provision (credit) charged to expense | 633 |  | 1,931 | (1,590)
Losses charged off | (1,235) |  | (1,235) |
Recoveries |  |  |  | 2
Balance at end of period | 28,867 | 25,508 | 28,867 | 25,508
Commercial Real Estate | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 646 | 464 | 619 | 416
Provision (credit) charged to expense | (19) | 33 | 8 | 81
Balance at end of period | 627 | 497 | 627 | 497
Commercial Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 2,841 | 2,502 | 2,844 | 2,865
Provision (credit) charged to expense | (106) |  | (202) | (363)
Losses charged off |  |  | (101) |
Recoveries |  |  | 194 |
Balance at end of period | 2,735 | 2,502 | 2,735 | 2,502
Commercial Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 550 | 871 | 741 | 802
Provision (credit) charged to expense | (57) | 108 | (248) | 177
Balance at end of period | 493 | 979 | 493 | 979
Commercial Business |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 5,677 | 7,827 | 6,935 | 5,822
Provision (credit) charged to expense | (930) |  | (2,526) | 1,851
Losses charged off | (164) |  | (195) |
Recoveries | 17 | 28 | 386 | 182
Balance at end of period | 4,600 | 7,855 | 4,600 | 7,855
Commercial Business | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 1,343 | 987 | 959 | 1,734
Provision (credit) charged to expense | 801 | (34) | 1,185 | (781)
Balance at end of period | 2,144 | 953 | 2,144 | 953
Consumer |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 3,704 | 4,008 | 3,530 | 4,416
Provision (credit) charged to expense | 358 |  | 843 | (124)
Losses charged off | (332) | (498) | (1,111) | (1,409)
Recoveries | 170 | 330 | 638 | 957
Balance at end of period | 3,900 | 3,840 | 3,900 | 3,840
Consumer | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 452 | 500 | 456 | 504
Provision (credit) charged to expense | 17 | (36) | 13 | (40)
Balance at end of period | $ 469 | $ 464 | $ 469 | $ 464

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