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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Amount      
Statutory tax rate $ 11,049 $ 11,995 $ 11,517
Increase (decrease) resulting from:      
State taxes, net of federal benefit 1,287 1,539 1,477
Tax exempt interest (1,405) (1,042) (1,003)
Federal tax credits (239) (471) (241)
Officers' life insurance (416) (578) (498)
Stock-based compensation plans (37) 17 (16)
Other (1,169) 805 52
Total income tax expense $ 9,070 $ 12,265 $ 11,288
Rate      
Statutory tax rate 21.00% 21.00% 21.00%
Increase (decrease) resulting from:      
State taxes, net of federal benefit 2.45% 2.69% 2.69%
Tax exempt interest (2.67%) (1.82%) (1.83%)
Federal tax credits (0.45%) (0.82%) (0.44%)
Officers' life insurance (0.79%) (1.01%) (0.91%)
Stock-based compensation plans (0.07%) 0.03% (0.03%)
Other (2.22%) 1.40% 0.10%
Effective tax rate 17.25% 21.47% 20.58%