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INCOME TAXES - Net Deferred Tax Assets (Details) - USD ($)
Dec. 31, 2023
Dec. 31, 2022
Deferred tax assets:    
Allowance for credit losses $ 6,104,000 $ 4,934,000
Deferred loan costs/fees 632,000 591,000
Restricted stock 184,000 243,000
Economic performance accruals 769,000 871,000
Other real estate owned 230,000 188,000
Loan discounts 304,000 375,000
Lease liability 426,000 535,000
Net unrealized losses on securities available for sale 6,702,000 6,697,000
Other 22,000 44,000
Deferred tax assets 15,373,000 14,478,000
Deferred tax liabilities:    
Office properties and equipment (2,132,000) (2,286,000)
Federal Home Loan Bank stock (119,000) (129,000)
Core deposit intangible (852,000) (1,019,000)
Net gain on equity securities (762,000) (710,000)
Prepaid expenses (230,000) (250,000)
Mortgage servicing rights (977,000) (1,172,000)
Leases; right of use asset (373,000) (467,000)
Deferred tax liabilities (5,445,000) (6,033,000)
Valuation allowance (1,822,000) 0
Net deferred tax assets $ 8,106,000 $ 8,445,000