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INCOME TAXES - Reconciliation of Income Tax (Details) - USD ($) $ in Thousands | 12 Months Ended
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Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
INCOME TAXES |  |  |
Expected provision | $ 6,693 | $ 6,401 | $ 6,794
Tax-exempt interest income | (964) | (964) | (1,029)
Increase in cash surrender value and other income from life insurance, net | (369) | (586) | (103)
ESOP Dividends | (144) | (143) | (130)
Initiated surrender of bank-owned life insurance | 0 | 950 | 0
State income tax, net of Federal benefit | 297 | 329 | 296
Nondeductible interest expense | 368 | 283 | 87
Other, net | 32 | 65 | (183)
Effective income tax provision, Total | $ 5,913 | $ 6,335 | $ 5,732
Expected provision | 21.00% | 21.00% | 21.00%
Tax-exempt interest income, percentage | 3.00% | 3.20% | 3.20%
Increase in cash surrender value and other income from life insurance, net, percentage | (1.20%) | (1.90%) | (0.30%)
ESOP Dividends, percentage | (0.50%) | (0.50%) | (0.40%)
Initiated surrender of bank-owned life insurance percentage | 0.00% | 3.10% | 0.00%
State income tax, net of federal benefit, percentage | 0.90% | 1.10% | 0.90%
Nondeductible interest expense, percentage | 1.30% | 0.90% | 0.30%
Other, net, percentage | 0.10% | 0.30% | (0.60%)
Effective income tax provision, percentage | 18.60% | 20.80% | 17.70%

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