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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, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | $ 64,704 | $ 65,087 | $ 64,760 | $ 64,670
Provision (credit) charged to expense | 0 |  |  | 500
Provision (credit) for unfunded commitments | (110) | (607) | (458) | (477)
Losses charged off | (251) | (549) | (676) | (976)
Recoveries | 362 | 717 | 731 | 1,061
Balance at end of period | 64,815 | 65,255 | 64,815 | 65,255
Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 8,155 | 7,617 | 8,503 | 7,487
Provision (credit) for unfunded commitments | (110) | (607) | (458) | (477)
Balance at end of period | 8,045 | 7,010 | 8,045 | 7,010
One- To Four-Family Residential and Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 9,192 | 9,660 | 9,224 | 9,820
Provision (credit) charged to expense | 0 |  |  | (107)
Losses charged off | (10) | (9) | (46) | (65)
Recoveries | 22 | 27 | 26 | 30
Balance at end of period | 9,204 | 9,678 | 9,204 | 9,678
One- To Four-Family Residential and Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 658 | 679 | 619 | 706
Provision (credit) for unfunded commitments | 97 | (6) | 136 | (33)
Balance at end of period | 755 | 673 | 755 | 673
Other Residential |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 15,594 | 13,886 | 15,594 | 13,370
Provision (credit) charged to expense | 0 |  |  | 516
Balance at end of period | 15,594 | 13,886 | 15,594 | 13,886
Other Residential | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 4,594 | 3,978 | 4,833 | 4,006
Provision (credit) for unfunded commitments | 9 | (632) | (230) | (660)
Balance at end of period | 4,603 | 3,346 | 4,603 | 3,346
Commercial Real Estate |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 28,794 | 29,469 | 28,802 | 28,171
Provision (credit) charged to expense | 0 |  |  | 1,298
Losses charged off |  |  | (8) |
Balance at end of period | 28,794 | 29,469 | 28,794 | 29,469
Commercial Real Estate | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 620 | 614 | 653 | 619
Provision (credit) for unfunded commitments | 61 | 32 | 28 | 27
Balance at end of period | 681 | 646 | 681 | 646
Commercial Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 2,929 | 2,748 | 2,735 | 2,844
Provision (credit) charged to expense | 0 |  |  | (96)
Losses charged off |  | (101) |  | (101)
Recoveries | 7 | 194 | 201 | 194
Balance at end of period | 2,936 | 2,841 | 2,936 | 2,841
Commercial Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 418 | 509 | 496 | 741
Provision (credit) for unfunded commitments | 54 | 41 | (24) | (191)
Balance at end of period | 472 | 550 | 472 | 550
Commercial Business |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 4,522 | 5,396 | 4,656 | 6,935
Provision (credit) charged to expense | 0 |  |  | (1,596)
Losses charged off |  |  | (147) | (31)
Recoveries | 190 | 281 | 203 | 369
Balance at end of period | 4,712 | 5,677 | 4,712 | 5,677
Commercial Business | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 1,428 | 1,353 | 1,468 | 959
Provision (credit) for unfunded commitments | (281) | (10) | (321) | 384
Balance at end of period | 1,147 | 1,343 | 1,147 | 1,343
Consumer |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 3,673 | 3,928 | 3,749 | 3,530
Provision (credit) charged to expense | 0 |  |  | 485
Losses charged off | (241) | (439) | (475) | (779)
Recoveries | 143 | 215 | 301 | 468
Balance at end of period | 3,575 | 3,704 | 3,575 | 3,704
Consumer | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 437 | 484 | 434 | 456
Provision (credit) for unfunded commitments | (50) | (32) | (47) | (4)
Balance at end of period | $ 387 | $ 452 | $ 387 | $ 452

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