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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, 2024 | Mar. 31, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |
Beginning balance | $ 30,920 | $ 31,974 | $ 31,974
Provision for (reversal of) credit losses | (250) | 0 | 0
Loans charged-off | (310) | (94) | (1,204)
Recoveries | 200 | 73 | 150
Ending balance | 30,560 | 31,953 | 30,920
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,719 | 4,382 | 4,382
Provision for (reversal of) credit losses | 67 | (239) | (209)
Loans charged-off | (216) | (3) | (473)
Recoveries | 174 | 8 | 19
Ending balance | 3,744 | 4,148 | 3,719
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,623 | 4,889 | 4,889
Provision for (reversal of) credit losses | (363) | (25) | (1,266)
Loans charged-off |  | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 3,260 | 4,864 | 3,623
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 12,257 | 12,658 | 12,658
Provision for (reversal of) credit losses | 19 | 32 | (124)
Loans charged-off | 0 | 0 | (277)
Recoveries | 0 | 0 | 0
Ending balance | 12,276 | 12,690 | 12,257
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,231 | 2,008 | 2,008
Provision for (reversal of) credit losses | (27) | 78 | 223
Loans charged-off |  | 0 | 0
Ending balance | 2,204 | 2,086 | 2,231
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 7,470 | 6,617 | 6,617
Provision for (reversal of) credit losses | 215 | 24 | 853
Loans charged-off |  | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 7,685 | 6,641 | 7,470
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 521 | 490 | 490
Provision for (reversal of) credit losses | (4) | (11) | 31
Loans charged-off |  | 0 | 0
Ending balance | 517 | 479 | 521
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 945 | 778 | 778
Provision for (reversal of) credit losses | (194) | 82 | 238
Loans charged-off | (35) | (7) | (139)
Recoveries | 7 | 45 | 68
Ending balance | 723 | 898 | 945
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 152 | 149 | 149
Provision for (reversal of) credit losses | (6) | (4) | 4
Loans charged-off | 0 | (3) | (3)
Recoveries | 2 | 2 | 2
Ending balance | 148 | 144 | 152
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2 | 3 | 3
Provision for (reversal of) credit losses | 43 | 63 | 250
Loans charged-off | (59) | (81) | (312)
Recoveries | 17 | 18 | 61
Ending balance | $ 3 | $ 3 | $ 2

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- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
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