LOANS - Composition of loans receivable and loans held-for-sale (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loans receivable, net	$ 1,040,358	$ 927,413
Total
Residential 1-4 family	357,518	346,299
Residential 5+ multifamily	38,353	35,455
Construction of residential 1-4 family	11,041	11,889
Home equity lines of credit	30,286	33,798
Residential real estate	437,198	427,441
Commercial	309,935	289,795
Construction of commercial	13,699	8,466
Commercial real estate	323,634	298,261
Farm land	3,324	3,641
Vacant land	13,879	7,893
Real estate secured	778,035	737,236
Commercial and industrial	247,440	169,411
Municipal	20,707	21,914
Consumer	7,886	6,385
Loans receivable, gross	1,054,068	934,946
Deferred loan origination (fees) and costs, net	(1,339)	1,362
Loans receivable, gross	1,052,729	936,308
Allowance for loan losses	(12,371)	(8,895)
Loans receivable, net	1,040,358	927,413
Loans held-for-sale
Residential 1-4 family	$ 5,313	$ 332

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The reserve to cover probable credit losses related to specifically identified fixed maturity real estate loans as well as probable credit losses inherent in the remainder of that loan portfolio.

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The fair value as of the balance sheet date of firm holdings in fixed income obligations issued by state and local governments and authorities. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.

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The net carrying amount as of the balance sheet date of the sum of the various components of an operative builder's inventory, including finished homes. Operative builders primarily consist of entities that develop land, construct residential homes and commercial and industrial buildings thereon, and sell them to home buyers and operators of the commercial and industrial properties.

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Total of (1) improvements, (2) held-for-sale, (3) land and land under development, (4) construction-in-process, (5) mortgage loans held-in-inventory, and (6) other real estate investments which are considered inventory due to being held for sale or disposition.

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Cost of real estate projects incurred for projects for eventual sale or transfer (condominium or time share projects, vacation clubs).

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Carrying amount as of the balance sheet date, net of valuation allowances and impairment losses, of costs of land expected to be developed in the near term plus capitalized costs of development, for purposes of selling completed units to home buyers or commercial or industrial entities..

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Represents mortgage loans held in inventory primarily for sale to others (third parties, businesses, legal entities) in the ordinary course of business.

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Amount of investment in certain other real estate investments not specifically identified elsewhere in the existing taxonomy.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

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Amount, before valuation allowance, of financing receivable classified as held-for-sale.

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The balance represents the amount of loans that are secured by real estate mortgages, offset by the reserve to cover probable credit losses on the loan portfolio.

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