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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, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Allowance for credit losses: |  |  |
Beginning balance | $ 30,920 | $ 31,974 | $ 31,974
Provision for (reversal of) credit losses | (1,950) | 0 | 0
Loans charged-off | (697) | (962) | (1,204)
Recoveries | 270 | 128 | 150
Ending Balance | 28,543 | 31,140 | 30,920
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,719 | 4,382 | 4,382
Provision for (reversal of) credit losses | (546) | (186) | (209)
Loans charged-off | (436) | (392) | (473)
Recoveries | 192 | 19 | 19
Ending Balance | 2,929 | 3,823 | 3,719
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 3,623 | 4,889 | 4,889
Provision for (reversal of) credit losses | (1,089) | (1,257) | (1,266)
Loans charged-off |  | 0 | 0
Recoveries | 0 | 0 | 0
Ending Balance | 2,534 | 3,632 | 3,623
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 12,257 | 12,658 | 12,658
Provision for (reversal of) credit losses | (84) | 701 | (124)
Loans charged-off | 0 | (266) | (277)
Recoveries | 0 | 0 | 0
Ending Balance | 12,173 | 13,093 | 12,257
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2,231 | 2,008 | 2,008
Provision for (reversal of) credit losses | (246) | 111 | 223
Loans charged-off |  | 0 | 0
Ending Balance | 1,985 | 2,119 | 2,231
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 7,470 | 6,617 | 6,617
Provision for (reversal of) credit losses | (74) | 161 | 853
Loans charged-off |  | 0 | 0
Recoveries | 0 | 0 | 0
Ending Balance | 7,396 | 6,778 | 7,470
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 521 | 490 | 490
Provision for (reversal of) credit losses | 23 | (19) | 31
Loans charged-off |  | 0 | 0
Ending Balance | 544 | 471 | 521
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 945 | 778 | 778
Provision for (reversal of) credit losses | (38) | 309 | 238
Loans charged-off | (99) | (72) | (139)
Recoveries | 33 | 65 | 68
Ending Balance | 841 | 1,080 | 945
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 152 | 149 | 149
Provision for (reversal of) credit losses | (17) | (7) | 4
Loans charged-off | 0 | (3) | (3)
Recoveries | 3 | 2 | 2
Ending Balance | 138 | 141 | 152
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance | 2 | 3 | 3
Provision for (reversal of) credit losses | 121 | 187 | 250
Loans charged-off | (162) | (229) | (312)
Recoveries | 42 | 42 | 61
Ending Balance | $ 3 | $ 3 | $ 2

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