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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, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | $ 64,815 | $ 65,255 | $ 64,760 | $ 64,670
Provision (credit) charged to expense | 0 | 1,200 |  | 1,700
Provision (credit) for unfunded commitments | (379) | (63) | (837) | (540)
Losses charged off | (302) | (1,731) | (978) | (2,707)
Recoveries | 236 | 191 | 967 | 1,252
Balance at end of period | 64,749 | 64,915 | 64,749 | 64,915
Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 8,045 | 7,010 | 8,503 | 7,487
Provision (credit) for unfunded commitments | (379) | (63) | (837) | (540)
Balance at end of period | 7,666 | 6,947 | 7,666 | 6,947
One- To Four-Family Residential and Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 9,204 | 9,678 | 9,224 | 9,820
Provision (credit) charged to expense | 0 | (463) |  | (570)
Losses charged off | 0 |  | (46) | (65)
Recoveries | 2 | 4 | 28 | 34
Balance at end of period | 9,206 | 9,219 | 9,206 | 9,219
One- To Four-Family Residential and Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 755 | 673 | 619 | 706
Provision (credit) for unfunded commitments | 46 | (262) | 182 | (295)
Balance at end of period | 801 | 411 | 801 | 411
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 | 1,708 |  | 2,224
Losses charged off | 0 |  | 0 |
Balance at end of period | 15,594 | 15,594 | 15,594 | 15,594
Other Residential | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 4,603 | 3,346 | 4,833 | 4,006
Provision (credit) for unfunded commitments | (136) | (543) | (366) | (1,203)
Balance at end of period | 4,467 | 2,803 | 4,467 | 2,803
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 | 633 |  | 1,931
Losses charged off | 0 | (1,235) | (8) | (1,235)
Balance at end of period | 28,794 | 28,867 | 28,794 | 28,867
Commercial Real Estate | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 681 | 646 | 653 | 619
Provision (credit) for unfunded commitments | (91) | (19) | (63) | 8
Balance at end of period | 590 | 627 | 590 | 627
Commercial Construction |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 2,936 | 2,841 | 2,735 | 2,844
Provision (credit) charged to expense | 0 | (106) |  | (202)
Losses charged off | 0 |  | 0 | (101)
Recoveries |  |  | 201 | 194
Balance at end of period | 2,936 | 2,735 | 2,936 | 2,735
Commercial Construction | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 472 | 550 | 496 | 741
Provision (credit) for unfunded commitments | (94) | (57) | (118) | (248)
Balance at end of period | 378 | 493 | 378 | 493
Commercial Business |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 4,712 | 5,677 | 4,656 | 6,935
Provision (credit) charged to expense | 0 | (930) |  | (2,526)
Losses charged off | (32) | (164) | (179) | (195)
Recoveries | 90 | 17 | 293 | 386
Balance at end of period | 4,770 | 4,600 | 4,770 | 4,600
Commercial Business | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 1,147 | 1,343 | 1,468 | 959
Provision (credit) for unfunded commitments | (84) | 801 | (405) | 1,185
Balance at end of period | 1,063 | 2,144 | 1,063 | 2,144
Consumer |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 3,575 | 3,704 | 3,749 | 3,530
Provision (credit) charged to expense | 0 | 358 |  | 843
Losses charged off | (270) | (332) | (745) | (1,111)
Recoveries | 144 | 170 | 445 | 638
Balance at end of period | 3,449 | 3,900 | 3,449 | 3,900
Consumer | Allowance for unfunded commitment |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |
Balance at beginning of period | 387 | 452 | 434 | 456
Provision (credit) for unfunded commitments | (20) | 17 | (67) | 13
Balance at end of period | $ 367 | $ 469 | $ 367 | $ 469

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