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INCOME TAXES - Effective Income Tax Rate Reconciliation (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
The provision for income taxes differs from the amount of income tax determined by applying statutory federal income tax rates to pretax income    
Tax expense at statutory rate $ 3,665 $ 3,976
State income taxes, net of federal (519) 271
Tax credits (210) 0
Bank owned life insurance (162) (146)
Tax exempt interest (81) (52)
Change in valuation allowance 1,118 1,822
Other (112) 2
Total $ 3,699 $ 5,873
Tax expense at statutory rate (as a percent) 21.00% 21.00%
State income taxes, net of federal (as a percent) (3.00%) 1.40%
Tax credits (as a percent) (1.20%) 0.00%
Bank owned life insurance (as a percent) (0.90%) (0.80%)
Tax exempt interest (as a percent) (0.50%) (0.30%)
Valuation allowance (as a percent) 6.40% 9.60%
Other (as a percent) (0.60%) 0.10%
Total (as a percent) 21.20% 31.00%