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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowances by Impairment (Details) - USD ($) $ in Thousands | Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
--- | --- | --- | ---
Allowance for loan losses |  |  |  |  |
Individually evaluated for impairment | $ 1,955 |  | $ 1,147 |  |
Collectively evaluated for impairment | 20,562 |  | 18,512 |  |
Total ending allowance balance | 22,517 | [1] | 19,659 | [1] | $ 21,025
Loans: |  |  |  |  |
Loans individually analyzed | 8,035 |  | 7,482 |  |
Loans collectively analyzed | 1,964,629 |  | 1,821,966 |  |
Total loans, net of deferred loan fees and costs | 1,972,664 |  | 1,829,448 |  |
Collateral Pledged |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Total ending allowance balance | 267 |  |  |  |
Loans: |  |  |  |  |
Loans individually analyzed | 6,347 |  |  |  |
Commercial and Agricultural |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Individually evaluated for impairment | 1,928 |  | 1,078 |  |
Collectively evaluated for impairment | 3,127 |  | 2,295 |  |
Total ending allowance balance | 5,055 |  | 3,373 |  | 3,591
Loans: |  |  |  |  |
Loans individually analyzed | 2,067 |  | 2,112 |  |
Loans collectively analyzed | 262,329 |  | 250,181 |  |
Total loans, net of deferred loan fees and costs | 264,396 |  | 252,293 |  |
Commercial Mortgages |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Individually evaluated for impairment | 27 |  | 38 |  |
Collectively evaluated for impairment | 11,999 |  | 11,538 |  |
Total ending allowance balance | 12,026 |  | 11,576 |  | 13,556
Loans: |  |  |  |  |
Loans individually analyzed | 5,968 |  | 4,383 |  |
Loans collectively analyzed | 1,116,957 |  | 992,530 |  |
Total loans, net of deferred loan fees and costs | 1,122,925 |  | 996,913 |  |
Residential Mortgages |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Individually evaluated for impairment | 0 |  | 0 |  |
Collectively evaluated for impairment | 2,194 |  | 1,845 |  |
Total ending allowance balance | 2,194 |  | 1,845 |  | 1,803
Loans: |  |  |  |  |
Loans individually analyzed | 0 |  | 723 |  |
Loans collectively analyzed | 277,992 |  | 284,949 |  |
Total loans, net of deferred loan fees and costs | 277,992 |  | 285,672 |  |
Consumer Loans |  |  |  |  |
Allowance for loan losses |  |  |  |  |
Individually evaluated for impairment | 0 |  | 31 |  |
Collectively evaluated for impairment | 3,242 |  | 2,834 |  |
Total ending allowance balance | 3,242 |  | 2,865 |  | $ 2,075
Loans: |  |  |  |  |
Loans individually analyzed | 0 |  | 264 |  |
Loans collectively analyzed | 307,351 |  | 294,306 |  |
Total loans, net of deferred loan fees and costs | $ 307,351 |  | $ 294,570 |  |
[1] | Effective January 1, 2023, the allowance calculation is based upon Current Expected Credit loss methodology. Prior to January 1, 2023, the allowance calculation was based upon incurred loss methodology. Refer to Note 1 for further discussion.

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