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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, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | $ 28,290 | $ 30,920 | $ 30,920
Provision for (reversal of) for credit losses | (300) | (250) | (2,200)
Loans charged-off | (145) | (310) | (978)
Recoveries | 20 | 200 | 548
Ending balance | 27,865 | 30,560 | 28,290
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 2,973 | 3,719 | 3,719
Provision for (reversal of) for credit losses | (271) | 67 | (524)
Loans charged-off | (93) | (216) | (630)
Recoveries | 1 | 174 | 408
Ending balance | 2,610 | 3,744 | 2,973
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 2,738 | 3,623 | 3,623
Provision for (reversal of) for credit losses | 27 | (363) | (885)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 2,765 | 3,260 | 2,738
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 11,718 | 12,257 | 12,257
Provision for (reversal of) for credit losses | (109) | 19 | (539)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 11,609 | 12,276 | 11,718
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 1,830 | 2,231 | 2,231
Provision for (reversal of) for credit losses | (82) | (27) | (401)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 1,748 | 2,204 | 1,830
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 7,656 | 7,470 | 7,470
Provision for (reversal of) for credit losses | 7 | 215 | 186
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 7,663 | 7,685 | 7,656
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 528 | 521 | 521
Provision for (reversal of) for credit losses | (12) | (4) | 7
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 516 | 517 | 528
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 844 | 945 | 945
Provision for (reversal of) for credit losses | (37) | (194) | (80)
Loans charged-off | (3) | (35) | (106)
Recoveries | 7 | 7 | 85
Ending balance | 811 | 723 | 844
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 0 | 152 | 152
Provision for (reversal of) for credit losses | 136 | (6) | (155)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 2 | 3
Ending balance | 136 | 148 | 0
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 3 | 2 | 2
Provision for (reversal of) for credit losses | 41 | 43 | 191
Loans charged-off | (49) | (59) | (242)
Recoveries | 12 | 17 | 52
Ending balance | $ 7 | $ 3 | $ 3

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