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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2021 | Mar. 31, 2020 | Dec. 31, 2020
Allowance for credit losses: |  |  |
Beginning balance | $ 33,619 | $ 16,202 | $ 16,202
Impact of adopting ASC 326 |  | 4,548 | 4,548
Provision for credit losses and Loans losses |  | 1,400 | 13,200
Loans charged-off | (875) | (224) | (543)
Recoveries | 26 | 22 | 212
Ending balance | 32,770 | 21,948 | 33,619
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 4,033 | 2,056 | 2,056
Impact of adopting ASC 326 |  | 546 | 546
Provision for credit losses and Loans losses | (504) | 365 | 1,398
Loans charged-off | (7) | (43) | (68)
Recoveries | 7 |  | 101
Ending balance | 3,529 | 2,924 | 4,033
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 4,735 | 2,378 | 2,378
Impact of adopting ASC 326 |  | 323 | 323
Provision for credit losses and Loans losses | (538) | (123) | 2,034
Recoveries | 1 |  |
Ending balance | 4,198 | 2,578 | 4,735
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 15,780 | 6,853 | 6,853
Impact of adopting ASC 326 |  | 2,228 | 2,228
Provision for credit losses and Loans losses | 1,087 | 680 | 6,698
Loans charged-off | (758) |  |
Recoveries |  |  | 1
Ending balance | 16,109 | 9,761 | 15,780
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 1,220 | 570 | 570
Impact of adopting ASC 326 |  | 26 | 26
Provision for credit losses and Loans losses | (163) | 196 | 624
Ending balance | 1,057 | 792 | 1,220
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 6,313 | 3,125 | 3,125
Impact of adopting ASC 326 |  | 1,339 | 1,339
Provision for credit losses and Loans losses | 13 | (250) | 1,915
Loans charged-off |  | (59) | (68)
Recoveries |  | 1 | 2
Ending balance | 6,326 | 4,156 | 6,313
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 363 | 409 | 409
Impact of adopting ASC 326 |  | (50) | (50)
Provision for credit losses and Loans losses | 133 | (170) | 4
Ending balance | 496 | 189 | 363
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 929 | 602 | 602
Impact of adopting ASC 326 |  | 72 | 72
Provision for credit losses and Loans losses | (29) | 85 | 373
Loans charged-off | (61) | (73) | (155)
Recoveries | 4 | 7 | 37
Ending balance | 843 | 693 | 929
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 239 | 197 | 197
Impact of adopting ASC 326 |  | 73 | 73
Provision for credit losses and Loans losses | (31) | 11 | (33)
Loans charged-off |  |  | (18)
Recoveries |  |  | 20
Ending balance | 208 | 281 | 239
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 7 | 12 | 12
Impact of adopting ASC 326 |  | (9) | (9)
Provision for credit losses and Loans losses | 32 | 35 | 187
Loans charged-off | (49) | (49) | (234)
Recoveries | 14 | 14 | 51
Ending balance | $ 4 | 3 | $ 7
Unallocated |  |  |
Allowance for credit losses: |  |  |
Provision for credit losses and Loans losses |  | 571 |
Ending balance |  | $ 571 |

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