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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 USD ($) borrower component | Jun. 30, 2024 USD ($) | Jun. 30, 2025 USD ($) borrower component | Jun. 30, 2024 USD ($) | Dec. 31, 2024 USD ($) borrower
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Loans, Number of Components of Allowance for Credit Losses | component | 2 |  | 2 |  |
Period of weighted average remaining life of loans in which economic forecast affects ACL | 2 years |  | 2 years |  |
Beginning balance | $ 20,172,000 | $ 20,023,000 | $ 20,035,000 | $ 19,208,000 | $ 19,208,000
Charge-offs | (582,000) | (236,000) | (699,000) | (416,000) |
Recoveries | 34,000 | 29,000 | 60,000 | 64,000 |
Provision (credit) for credit losses on loans | 2,075,000 | 566,000 | 2,303,000 | 1,526,000 |
Ending balance | 21,699,000 | 20,382,000 | 21,699,000 | 20,382,000 | 20,035,000
Allowance for loan losses individually evaluated | 9,000 |  | 9,000 |  | 122,000
Amortized cost with individual ACL | $ 239,000 |  | $ 239,000 |  | $ 258,000
Number of loans evaluated on individual basis | borrower | 1 |  | 1 |  | 1
Financing Receivable, Allowance for Credit Loss, Collectively Evaluated | $ 21,690,000 |  | $ 21,690,000 |  | $ 19,913,000
Commercial | Commercial real estate - non-owner occupied |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Beginning balance | 12,060,000 | 12,533,000 | 11,964,000 | 12,010,000 | 12,010,000
Charge-offs | (9,000) | (117,000) | (9,000) | (117,000) |
Recoveries | 0 | 0 | 0 | 0 |
Provision (credit) for credit losses on loans | 1,042,000 | (239,000) | 1,138,000 | 284,000 |
Ending balance | 13,093,000 | 12,177,000 | 13,093,000 | 12,177,000 | 11,964,000
Allowance for loan losses individually evaluated | 0 |  | 0 |  | 0
Commercial | Commercial real estate - owner occupied |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Beginning balance | 2,769,000 | 2,718,000 | 2,844,000 | 2,116,000 | 2,116,000
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision (credit) for credit losses on loans | 286,000 | 183,000 | 211,000 | 785,000 |
Ending balance | 3,055,000 | 2,901,000 | 3,055,000 | 2,901,000 | 2,844,000
Allowance for loan losses individually evaluated | 9,000 |  | 9,000 |  | 122,000
Commercial | All other commercial loans |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Beginning balance | 3,594,000 | 3,580,000 | 3,361,000 | 2,918,000 | 2,918,000
Charge-offs | (541,000) | 0 | (541,000) | (60,000) |
Recoveries | 1,000 | 15,000 | 2,000 | 35,000 |
Provision (credit) for credit losses on loans | 837,000 | 83,000 | 1,069,000 | 785,000 |
Ending balance | 3,891,000 | 3,678,000 | 3,891,000 | 3,678,000 | 3,361,000
Allowance for loan losses individually evaluated | 0 |  | 0 |  | 0
Residential mortgage loans |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Beginning balance | 1,281,000 | 769,000 | 1,356,000 | 1,764,000 | 1,764,000
Charge-offs | (5,000) | 0 | (5,000) | 0 |
Recoveries | 1,000 | 0 | 2,000 | 3,000 |
Provision (credit) for credit losses on loans | 37,000 | 343,000 | (39,000) | (655,000) |
Ending balance | 1,314,000 | 1,112,000 | 1,314,000 | 1,112,000 | 1,356,000
Consumer loans |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Beginning balance | 468,000 | 423,000 | 510,000 | 400,000 | 400,000
Charge-offs | (27,000) | (119,000) | (144,000) | (239,000) |
Recoveries | 32,000 | 14,000 | 56,000 | 26,000 |
Provision (credit) for credit losses on loans | (127,000) | 196,000 | (76,000) | 327,000 |
Ending balance | $ 346,000 | $ 514,000 | $ 346,000 | $ 514,000 | $ 510,000

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