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v3.25.1

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 USD ($) component | Mar. 31, 2024 USD ($) | Dec. 31, 2024 USD ($) borrower
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Loans, Number of Components of Allowance for Credit Losses | component | 2 |  |
Period of weighted average remaining life of loans in which economic forecast affects ACL | 2 years |  |
Beginning balance | $ 20,035,000 | $ 19,208,000 | $ 19,208,000
Charge-offs | (117,000) | (180,000) |
Recoveries | 26,000 | 35,000 |
Provision (credit) for credit losses on loans | 228,000 | 960,000 |
Ending balance | 20,172,000 | 20,023,000 | 20,035,000
Allowance for loan losses individually evaluated | 189,000 |  | 122,000
Amortized cost with individual ACL | 945,000 |  | $ 258,000
Number of loans evaluated on individual basis | borrower |  |  | 1
Financing Receivable, Allowance for Credit Loss, Collectively Evaluated | 19,983,000 |  | $ 19,913,000
Commercial | Commercial real estate - non-owner occupied |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 11,964,000 | 12,010,000 | 12,010,000
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision (credit) for credit losses on loans | 96,000 | 523,000 |
Ending balance | 12,060,000 | 12,533,000 | 11,964,000
Allowance for loan losses individually evaluated | 0 |  | 0
Commercial | Commercial real estate - owner occupied |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 2,844,000 | 2,116,000 | 2,116,000
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision (credit) for credit losses on loans | (75,000) | 602,000 |
Ending balance | 2,769,000 | 2,718,000 | 2,844,000
Allowance for loan losses individually evaluated | 47,000 |  | 122,000
Commercial | All other commercial loans |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 3,361,000 | 2,918,000 | 2,918,000
Charge-offs | 0 | (60,000) |
Recoveries | 1,000 | 20,000 |
Provision (credit) for credit losses on loans | 232,000 | 702,000 |
Ending balance | 3,594,000 | 3,580,000 | 3,361,000
Allowance for loan losses individually evaluated | 142,000 |  | 0
Residential mortgage loans |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 1,356,000 | 1,764,000 | 1,764,000
Charge-offs | 0 | 0 |
Recoveries | 1,000 | 3,000 |
Provision (credit) for credit losses on loans | (76,000) | (998,000) |
Ending balance | 1,281,000 | 769,000 | 1,356,000
Consumer loans |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |
Beginning balance | 510,000 | 400,000 | 400,000
Charge-offs | (117,000) | (120,000) |
Recoveries | 24,000 | 12,000 |
Provision (credit) for credit losses on loans | 51,000 | 131,000 |
Ending balance | $ 468,000 | $ 423,000 | $ 510,000

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