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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 6 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |
Beginning balance | $ 30,920 | $ 31,974 | $ 31,974
Provision for (reversal of) credit losses | (1,450) | 0 | 0
Loans charged-off | (425) | (318) | (1,204)
Recoveries | 237 | 103 | 150
Ending Balance | 29,282 | 31,759 | 30,920
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,719 | 4,382 | 4,382
Provision for (reversal of) credit losses | (477) | (102) | (209)
Loans charged-off | (230) | (20) | (473)
Recoveries | 174 | 12 | 19
Ending Balance | 3,186 | 4,272 | 3,719
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,623 | 4,889 | 4,889
Provision for (reversal of) credit losses | (717) | (470) | (1,266)
Loans charged-off |  | 0 | 0
Recoveries | 0 | 0 | 0
Ending Balance | 2,906 | 4,419 | 3,623
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 12,257 | 12,658 | 12,658
Provision for (reversal of) credit losses | (78) | 136 | (124)
Loans charged-off | 0 | (87) | (277)
Recoveries | 0 | 0 | 0
Ending Balance | 12,179 | 12,707 | 12,257
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,231 | 2,008 | 2,008
Provision for (reversal of) credit losses | (154) | 97 | 223
Loans charged-off |  | 0 | 0
Ending Balance | 2,077 | 2,105 | 2,231
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 7,470 | 6,617 | 6,617
Provision for (reversal of) credit losses | (69) | 82 | 853
Loans charged-off |  | 0 | 0
Recoveries | 0 | 0 | 0
Ending Balance | 7,401 | 6,699 | 7,470
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 521 | 490 | 490
Provision for (reversal of) credit losses | 19 | 0 | 31
Loans charged-off |  | 0 | 0
Ending Balance | 540 | 490 | 521
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 945 | 778 | 778
Provision for (reversal of) credit losses | (41) | 155 | 238
Loans charged-off | (85) | (72) | (139)
Recoveries | 29 | 58 | 68
Ending Balance | 848 | 919 | 945
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 152 | 149 | 149
Provision for (reversal of) credit losses | (12) | (3) | 4
Loans charged-off | 0 | (3) | (3)
Recoveries | 2 | 2 | 2
Ending Balance | 142 | 145 | 152
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2 | 3 | 3
Provision for (reversal of) credit losses | 79 | 105 | 250
Loans charged-off | (110) | (136) | (312)
Recoveries | 32 | 31 | 61
Ending Balance | $ 3 | $ 3 | $ 2

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