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INCOME TAXES, Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | ---
Deferred tax assets [Abstract] |  |
Allowance for credit losses | $ 5,449 | $ 5,868
Deferred compensation | 648 | 597
Allowance for losses on available-for-sale securities | 130 | 147
Pension and other retirement obligation | 0 | 166
Interest on non-accrual loans | 1,588 | 1,263
Incentive plan accruals | 682 | 662
Other real estate owned | 16 | 16
Unrealized losses on available-for-sale securities | 7,061 | 7,506
Low income housing tax credits | 15 | 44
NOL carry forward | 1,458 | 2,468
Unrealized losses on equity securities | 0 | 24
Non-PCD loan interest rate | 4,200 | 4,795
Right of use asset | 2,120 | 2,349
Accrued vacation | 308 | 281
Other | 334 | 428
Total | 24,009 | 26,614
Deferred tax liabilities [Abstract] |  |
Premises and equipment | (745) | (679)
Investment securities accretion | (611) | (432)
Loan fees and costs | (933) | (859)
Goodwill and core deposit intangibles | (2,804) | (2,889)
Pension and other retirement obligation | (152) | 0
Mortgage servicing rights | (160) | (201)
Unrealized gains on equity securities | (3) | 0
Unrealized gains on interest rate swap | (890) | (1,143)
Borrowings fair value adjustment | (254) | (511)
Right of use asset | (2,093) | (2,334)
Other | (165) | (227)
Total | (8,810) | (9,275)
Deferred tax (liability) asset, net | 15,199 | 17,339
Valuation allowance | $ 0 | $ 0

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