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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) | 12 Months Ended |
--- | --- | ---
Dec. 31, 2024 USD ($) | Dec. 31, 2023 USD ($) borrower | Jan. 01, 2023 USD ($)
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | $ 19,208,000 | $ 16,615,000 |
Charge-offs | (1,716,000) | (356,000) |
Recoveries | 113,000 | 92,000 |
Provision (credit) for credit losses on loans | 2,430,000 | 753,000 |
Ending balance | 20,035,000 | 19,208,000 |
Allowance for loan losses: individually evaluated | 122,000 | $ 743,000 | $ 751,000
Number of loans evaluated on individual basis | borrower |  | 2 |
Financing Receivable, Allowance for Credit Loss, Collectively Evaluated | 19,913,000 | $ 18,465,000 |
Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 2,104,000 |  |
Ending balance |  | 2,104,000 |
Commercial |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Allowance for loan losses: individually evaluated | 122,000 | 743,000 |
Commercial | Commercial real estate - non-owner occupied |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 12,010,000 | 6,305,000 |
Charge-offs | (757,000) | 0 |
Recoveries | 0 | 0 |
Provision (credit) for credit losses on loans | 711,000 | 1,942,000 |
Ending balance | 11,964,000 | 12,010,000 |
Allowance for loan losses: individually evaluated | 0 | 648,000 |
Commercial | Commercial real estate - non-owner occupied | Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 3,763,000 |  |
Ending balance |  | 3,763,000 |
Commercial | Commercial real estate - owner occupied |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 2,116,000 | 1,942,000 |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision (credit) for credit losses on loans | 728,000 | 167,000 |
Ending balance | 2,844,000 | 2,116,000 |
Allowance for loan losses: individually evaluated | 122,000 | 5,000 |
Commercial | Commercial real estate - owner occupied | Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 7,000 |  |
Ending balance |  | 7,000 |
Commercial | All other commercial loans |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 2,918,000 | 4,142,000 |
Charge-offs | (630,000) | (12,000) |
Recoveries | 40,000 | 44,000 |
Provision (credit) for credit losses on loans | 1,033,000 | (1,168,000) |
Ending balance | 3,361,000 | 2,918,000 |
Allowance for loan losses: individually evaluated | 0 | 90,000 |
Commercial | All other commercial loans | Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | (88,000) |  |
Ending balance |  | (88,000) |
Residential mortgage loans |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 1,764,000 | 2,751,000 |
Charge-offs | 0 | (33,000) |
Recoveries | 6,000 | 11,000 |
Provision (credit) for credit losses on loans | (414,000) | (621,000) |
Ending balance | 1,356,000 | 1,764,000 |
Residential mortgage loans | Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | (344,000) |  |
Ending balance |  | (344,000) |
Consumer loans |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 400,000 | 475,000 |
Charge-offs | (329,000) | (311,000) |
Recoveries | 67,000 | 37,000 |
Provision (credit) for credit losses on loans | 372,000 | 433,000 |
Ending balance | 510,000 | 400,000 |
Consumer loans | Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | (234,000) |  |
Ending balance |  | (234,000) |
Unallocated |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 0 | 1,000,000 |
Charge-offs |  | 0 |
Recoveries |  | 0 |
Provision (credit) for credit losses on loans |  | 0 |
Ending balance |  | 0 |
Unallocated | Adoption of ASU 2016-13 (CECL) |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | $ (1,000,000) |  |
Ending balance |  | $ (1,000,000) |

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