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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan Losses Activity (Details) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2020 | Sep. 30, 2019 | Dec. 31, 2019
Allowance for credit losses: |  |  |
Beginning balance | $ 16,202 | $ 14,651 | $ 14,651
Impact of adopting ASC 326 | 4,548 |  |
Provision for credit losses and Loans losses | 13,200 | 1,250 | 1,250
Loans charged-off | (384) | (232) | (453)
Recoveries | 191 | 725 | 754
Ending balance | 33,757 | 16,394 | 16,202
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,056 | 1,751 | 1,751
Impact of adopting ASC 326 | 546 |  |
Provision for credit losses and Loans losses | 1,366 | (152) | (117)
Loans charged-off | (43) | (49) | (86)
Recoveries | 93 | 507 | 508
Ending balance | 4,018 | 2,057 | 2,056
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,378 | 1,920 | 1,920
Impact of adopting ASC 326 | 323 |  |
Provision for credit losses and Loans losses | 2,228 | 215 | 458
Ending balance | 4,929 | 2,135 | 2,378
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 6,853 | 6,025 | 6,025
Impact of adopting ASC 326 | 2,228 |  |
Provision for credit losses and Loans losses | 6,613 | 863 | 827
Recoveries | 1 | 1 | 1
Ending balance | 15,695 | 6,889 | 6,853
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 570 | 643 | 643
Impact of adopting ASC 326 | 26 |  |
Provision for credit losses and Loans losses | 694 | (49) | (73)
Ending balance | 1,290 | 594 | 570
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,125 | 2,868 | 2,868
Impact of adopting ASC 326 | 1,339 |  |
Provision for credit losses and Loans losses | 1,778 | 220 | 268
Loans charged-off | (59) | (14) | (14)
Recoveries | 2 | 3 | 3
Ending balance | 6,185 | 3,077 | 3,125
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 409 | 631 | 631
Impact of adopting ASC 326 | (50) |  |
Provision for credit losses and Loans losses | (34) | 199 | (222)
Ending balance | 325 | 830 | 409
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 602 | 565 | 565
Impact of adopting ASC 326 | 72 |  |
Provision for credit losses and Loans losses | 407 | (28) | (2)
Loans charged-off | (136) | (32) | (72)
Recoveries | 30 | 95 | 111
Ending balance | 975 | 600 | 602
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 197 | 238 | 238
Impact of adopting ASC 326 | 73 |  |
Provision for credit losses and Loans losses | 59 | (126) | (41)
Loans charged-off | (18) |  | (89)
Recoveries | 20 | 89 | 89
Ending balance | 331 | 201 | 197
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 12 | 10 | 10
Impact of adopting ASC 326 | (9) |  |
Provision for credit losses and Loans losses | 89 | 108 | 152
Loans charged-off | (128) | (137) | (192)
Recoveries | 45 | 30 | 42
Ending balance | $ 9 | $ 11 | $ 12

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