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LOANS HELD FOR INVESTMENT (Tables)
 12 Months Ended
Dec. 31, 2021
LOANS HELD FOR INVESTMENT [Abstract]  
Summary of Loans Held for Investment by Category
Loans are summarized by category at year-end as follows:

   
2021
    
2020
  
Commercial real estate
  
$
755,444
    
$
663,344
  
Commercial - specialized
    
378,725
      
311,686
  
Commercial - general
    
460,024
      
518,309
  
Consumer:
                
1-4 family residential
    
387,690
      
360,315
  
Auto loans
    
240,719
      
205,840
  
Other consumer
    
68,113
      
67,595
  
Construction
    
146,862
      
94,494
  
                 
     
2,437,577
      
2,221,583
  
Allowance for loan losses
    
(42,098
)
    
(45,553
)
                 
Loans, net
  
$
2,395,479
    
$
2,176,030
  
Activity in Allowance for Loan Losses and Investment in Loans Disaggregated Based on Method of Evaluating Impairment
The following table details the activity in the allowance for loan losses during 2021 and 2020. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

   
Beginning
Balance
    
Provision for
Loan Losses
    
Charge-offs
    
Recoveries
    
Ending
Balance
  
2021
                              
Commercial real estate
  
$
18,962
    
$
(1,826
)
  
$
—
    
$
109
    
$
17,245
  
Commercial - specialized
    
5,760
      
(1,386
)
    
(172
)
    
161
      
4,363
  
Commercial - general
    
9,227
      
(302
)
    
(677
)
    
218
      
8,466
  
Consumer:
                                        
1-4 family residential
    
4,646
      
666
      
(52
)
    
8
      
5,268
  
Auto loans
    
4,226
      
(90
)
    
(598
)
    
115
      
3,653
  
Other consumer
    
1,671
      
339
      
(903
)
    
250
      
1,357
  
Construction
    
1,061
      
681
      
—
      
4
      
1,746
  
                                         
Total
  
$
45,553
    
$
(1,918
)
  
$
(2,402
)
  
$
865
    
$
42,098
  
                                         
2020
                              
Commercial real estate
  
$
5,049
    
$
13,618
    
$
(7
)
  
$
302
    
$
18,962
  
Commercial - specialized
    
2,287
      
4,514
      
(1,162
)
    
121
      
5,760
  
Commercial - general
    
9,609
      
1,219
      
(1,811
)
    
210
      
9,227
  
Consumer:
                                        
1-4 family residential
    
2,093
      
2,478
      
(56
)
    
131
      
4,646
  
Auto loans
    
3,385
      
1,814
      
(1,165
)
    
192
      
4,226
  
Other consumer
    
1,341
      
1,300
      
(1,358
)
    
388
      
1,671
  
Construction
    
433
      
627
      
—
      
1
      
1,061
  
                                         
Total
  
$
24,197
    
$
25,570
    
$
(5,559
)
  
$
1,345
    
$
45,553
  
                               
2019
                              
Commercial real estate
  
$
5,579
    
$
(961
)
  
$
—
    
$
431
    
$
5,049
  
Commercial - specialized
    
2,516
      
2
      
(355
)
    
124
      
2,287
  
Commercial - general
    
8,173
      
1,209
      
(306
)
    
533
      
9,609
  
Consumer:
                                        
1-4 family residential
    
2,249
      
219
      
(436
)
    
61
      
2,093
  
Auto loans
    
2,994
      
1,276
      
(1,067
)
    
182
      
3,385
  
Other consumer
    
1,192
      
969
      
(1,034
)
    
214
      
1,341
  
Construction
    
423
      
85
      
(75
)
    
—
      
433
  
                                         
Total
  
$
23,126
    
$
2,799
    
$
(3,273
)
  
$
1,545
    
$
24,197
  

The following table shows the Company’s investment in loans disaggregated based on the method of evaluating impairment:

   
Recorded Investment
    
Allowance for Loan Losses
  
   
Individually
Evaluated
    
Collectively
Evaluated
    
Individually
Evaluated
    
Collectively
Evaluated
  
2021
                        
Commercial real estate
  
$
1,101
    
$
754,343
    
$
584
    
$
16,661
  
Commercial - specialized
    
—
      
378,725
      
—
      
4,363
  
Commercial - general
    
5,078
      
454,946
      
585
      
7,881
  
Consumer:
                                
1-4 family residential
    
1,592
      
386,098
      
175
      
5,093
  
Auto loans
    
—
      
240,719
      
—
      
3,653
  
Other consumer
    
—
      
68,113
      
—
      
1,357
  
Construction
    
—
      
146,862
      
—
      
1,746
  
                                 
Total
  
$
7,771
    
$
2,429,806
    
$
1,344
    
$
40,754
  
                                 
2020
                                
Commercial -
  
$
6,273
    
$
657,071
    
$
580
    
$
18,382
  
Commercial - specialized
    
—
      
311,686
      
—
      
5,760
  
Commercial - general
    
4,626
      
513,683
      
515
      
8,712
  
Consumer:
                                
1-4 family residential
    
2,122
      
358,193
      
—
      
4,646
  
Auto loans
    
—
      
205,840
      
—
      
4,226
  
Other consumer
    
—
      
67,595
      
—
      
1,671
  
Construction
    
—
      
94,494
      
—
      
1,061
  
                                 
Total
  
$
13,021
    
$
2,208,562
    
$
1,095
    
$
44,458
  
Impaired Loan Information
Impaired loan information at year-end follows:

   
Unpaid
Contractual
Principal Balance
    
Recorded
Investment
With No Allowance
    
Recorded
Investment
With
Allowance
    
Total
Recorded
Investment
    
Related
Allowance
    
Average
Recorded
Investment
  
2021
                                    
Commercial real estate
  
$
1,101
    
$
—
    
$
1,101
    
$
1,101
    
$
584
    
$
3,687
  
Commercial -specialized
    
—
      
—
      
—
      
—
      
—
      
—
  
Commercial - general
    
5,078
      
1,143
      
3,935
      
5,078
      
585
      
4,852
  
Consumer:
                                                
1-4 family
    
1,592
      
880
      
712
      
1,592
      
175
      
1,857
  
Auto loans
    
—
      
—
      
—
      
—
      
—
      
—
  
Other consumer
    
—
      
—
      
—
      
—
      
—
      
—
  
Construction
    
—
      
—
      
—
      
—
      
—
      
—
  
Total
  
$
7,771
    
$
2,023
    
$
5,748
    
$
7,771
    
$
1,344
    
$
10,396
  
                                                 
2020
                                                
Commercial real estate
  
$
6,273
    
$
3,673
    
$
2,600
    
$
6,273
    
$
580
    
$
3,666
  
Commercial specialized
    
—
      
—
      
—
      
—
      
—
      
673
  
Commercial general
    
4,626
      
3,364
      
1,262
      
4,626
      
515
      
3,400
  
Consumer:
                                                
1-4 family
    
2,541
      
2,122
      
—
      
2,122
      
—
      
2,155
  
Auto loans
    
—
      
—
      
—
      
—
      
—
      
—
  
Other consumer
    
—
      
—
      
—
      
—
      
—
      
—
  
Construction
    
—
      
—
      
—
      
—
      
—
      
—
  
Total
  
$
13,440
    
$
9,159
    
$
3,862
    
$
13,021
    
$
1,095
    
$
9,894
  
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans
The table below provides an age analysis on accruing past-due loans and nonaccrual loans at year-end:

   
30-89 Days
Past Due
    
90 Days or
More Past Due
    
Nonaccrual
  
2021
                  
Commercial real estate
  
$
393
    
$
45
    
$
1,101
  
Commercial - specialized
    
265
      
20
      
156
  
Commercial - general
    
4,032
      
97
      
5,236
  
Consumer:
                        
1-4 Family residential
    
2,496
      
903
      
2,815
  
Auto loans
    
332
      
—
      
—
  
Other consumer
    
538
      
15
      
44
  
Construction
    
937
      
—
      
166
  
Total
  
$
8,993
    
$
1,080
    
$
9,518
  
                         
2020
                        
Commercial real estate
  
$
914
    
$
34
    
$
6,311
  
Commercial - specialized
    
241
      
—
      
272
  
Commercial - general
    
1,891
      
149
      
5,489
  
Consumer:
                        
1-4 Family residential
    
2,089
      
906
      
1,595
  
Auto loans
    
738
      
38
      
—
  
Other consumer
    
481
      
119
      
51
  
Construction
    
206
      
—
      
—
  
Total
  
$
6,560
    
$
1,246
    
$
13,718
  
Summary of Internal Classifications of Loans
The following table summarizes the internal classifications of loans at year-end:

   
Pass
    
Special
Mention
    
Substandard
    
Doubtful
    
Total
  
2021
                              
Commercial real estate
  
$
713,852
    
$
—
    
$
41,592
    
$
—
    
$
755,444
  
Commercial - specialized
    
372,797
      
—
      
5,928
      
—
      
378,725
  
Commercial - general
    
450,790
      
1,676
      
7,558
      
—
      
460,024
  
Consumer:
                                        
1-4 family residential
    
379,458
      
—
      
8,232
      
—
      
387,690
  
Auto loans
    
239,869
      
—
      
850
      
—
      
240,719
  
Other consumer
    
67,822
      
—
      
291
      
—
      
68,113
  
Construction
    
146,696
      
—
      
166
      
—
      
146,862
  
Total
  
$
2,371,284
    
$
1,676
    
$
64,617
    
$
—
    
$
2,437,577
  
                                         
2020
                              
Commercial real estate
  
$
602,250
    
$
—
    
$
61,094
    
$
—
    
$
663,344
  
Commercial - specialized
    
303,831
      
—
      
7,855
      
—
      
311,686
  
Commercial - general
    
510,543
      
—
      
7,766
      
—
      
518,309
  
Consumer:
                                        
1-4 family residential
    
352,930
      
—
      
7,385
      
—
      
360,315
  
Auto loans
    
204,301
      
—
      
1,539
      
—
      
205,840
  
Other consumer
    
67,216
      
—
      
379
      
—
      
67,595
  
Construction
    
94,494
      
—
      
—
      
—
      
94,494
  
Total
  
$
2,135,565
    
$
—
    
$
86,018
    
$
—
    
$
2,221,583