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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, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | $ 28,290 | $ 30,920 | $ 30,920
(Reversal of) provision for credit losses | (300) | (1,450) | (2,200)
Loans charged-off | (476) | (425) | (978)
Recoveries | 72 | 237 | 548
Ending balance | 27,586 | 29,282 | 28,290
Commercial and industrial |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 2,973 | 3,719 | 3,719
(Reversal of) provision for credit losses | (144) | (477) | (524)
Loans charged-off | (271) | (230) | (630)
Recoveries | 25 | 174 | 408
Ending balance | 2,583 | 3,186 | 2,973
Construction and development |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 2,738 | 3,623 | 3,623
(Reversal of) provision for credit losses | (1) | (717) | (885)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 2,737 | 2,906 | 2,738
Commercial real estate |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 11,718 | 12,257 | 12,257
(Reversal of) provision for credit losses | (225) | (78) | (539)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 11,493 | 12,179 | 11,718
Farmland |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 1,830 | 2,231 | 2,231
(Reversal of) provision for credit losses | (100) | (154) | (401)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 1,730 | 2,077 | 1,830
1-4 family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 7,656 | 7,470 | 7,470
(Reversal of) provision for credit losses | (67) | (69) | 186
Loans charged-off | (2) | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 7,587 | 7,401 | 7,656
Multi-family residential |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 528 | 521 | 521
(Reversal of) provision for credit losses | (17) | 19 | 7
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Ending balance | 511 | 540 | 528
Consumer |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 844 | 945 | 945
(Reversal of) provision for credit losses | 27 | (41) | (80)
Loans charged-off | (91) | (85) | (106)
Recoveries | 23 | 29 | 85
Ending balance | 803 | 848 | 844
Agricultural |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 0 | 152 | 152
(Reversal of) provision for credit losses | 135 | (12) | (155)
Loans charged-off | 0 | 0 | 0
Recoveries | 0 | 2 | 3
Ending balance | 135 | 142 | 0
Overdrafts |  |  |
Allowance for credit losses: |  |  |
Beginning balance, prior to adoption of ASC 326 | 3 | 2 | 2
(Reversal of) provision for credit losses | 92 | 79 | 191
Loans charged-off | (112) | (110) | (242)
Recoveries | 24 | 32 | 52
Ending balance | $ 7 | $ 3 | $ 3

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