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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2021 | Sep. 30, 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 | (1,700) |  | 13,200
Loans charged-off | (1,402) | 384 | (543)
Recoveries | 104 | 191 | 212
Ending balance | 30,621 |  | 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 | (268) | 1,366 | 1,398
Loans charged-off | (300) | (43) | (68)
Recoveries | 15 | 93 | 101
Ending balance | 3,480 | 4,018 | 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 | (774) | 2,228 | 2,034
Recoveries | 1 |  |
Ending balance | 3,962 | 4,929 | 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 | 670 | 6,613 | 6,698
Loans charged-off | (816) |  |
Recoveries | 11 | 1 | 1
Ending balance | 14,305 | 15,695 | 15,780
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 1,220 | 570 | 570
Impact of adopting ASC 326 |  | 26 | 26
Provision for credit losses | 365 | 694 | 624
Ending balance | 1,585 | 1,290 | 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 | (559) | 1,778 | 1,915
Loans charged-off |  | (59) | (68)
Recoveries |  | 2 | 2
Ending balance | 5,754 | 6,185 | 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 | 213 | 34 | 4
Ending balance | 576 | 325 | 363
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 929 | 602 | 602
Impact of adopting ASC 326 |  | 72 | 72
Provision for credit losses | (61) | 407 | 373
Loans charged-off | (113) | (136) | (155)
Recoveries | 32 | 30 | 37
Ending balance | 787 | 975 | 929
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 239 | 197 | 197
Impact of adopting ASC 326 |  | 73 | 73
Provision for credit losses | (73) | 59 | (33)
Loans charged-off |  | (18) | (18)
Recoveries |  | 20 | 20
Ending balance | 166 | 331 | 239
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 7 | 12 | 12
Impact of adopting ASC 326 |  | (9) | (9)
Provision for credit losses | 127 | 89 | 187
Loans charged-off | (173) | (128) | (234)
Recoveries | 45 | 45 | 51
Ending balance | $ 6 | 9 | $ 7
Unallocated |  |  |
Allowance for credit losses: |  |  |
Provision for credit losses |  | 13,200 |
Ending balance |  | $ 33,757 |

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