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LOANS HELD FOR INVESTMENT (Tables)
 12 Months Ended
Dec. 31, 2022
LOANS HELD FOR INVESTMENT [Abstract]  
Summary of Loans Held for Investment by Category
Loans held for investment are summarized by category at year-end as follows (dollars in thousands):

    December 31,  
   
2022
    
2021
  
Commercial real estate
  
$
919,358
    
$
755,444
  
Commercial - specialized
    
327,513
      
378,725
  
Commercial - general
    
484,783
      
460,024
  
Consumer:
                
1-4 family residential
    
460,124
      
387,690
  
Auto loans
    
321,476
      
240,719
  
Other consumer
    
81,308
      
68,113
  
Construction
    
153,519
      
146,862
  
                 
     
2,748,081
      
2,437,577
  
Allowance for loan losses
    
(39,288
)
    
(42,098
)
                 
Loans, net
  
$
2,708,793
    
$
2,395,479
  
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 for the years ended December 31, 2022, 2021 and 2020 (dollars in thousands). 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
  
For the Year Ended December 31, 2022
                              
Commercial real estate
  
$
17,245
    
$
(4,634
)
  
$
—
    
$
418
    
$
13,029
  
Commercial - specialized
    
4,363
      
(1,745
)
    
(199
)
    
1,006
      
3,425
  
Commercial - general
    
8,466
      
627
      
(328
)
    
450
      
9,215
  
Consumer:
                                        
1-4 family residential
    
5,268
      
1,026
      
(140
)
    
40
      
6,194
  
Auto loans
    
3,653
      
637
      
(508
)
    
144
      
3,926
  
Other consumer
    
1,357
      
932
      
(1,167
)
    
254
      
1,376
  
Construction
    
1,746
      
538
      
(166
)
    
5
      
2,123
  
                                         

 
$
42,098
    
$
(2,619
)
  
$
(2,508
)
  
$
2,317
    
$
39,288
  
                                         
For the Year Ended December 31, 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
  
                                         

 
$
45,553
    
$
(1,918
)
  
$
(2,402
)
  
$
865
    
$
42,098
  
                               
For the Year Ended December 31, 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
  
                                         

 
$
24,197
    
$
25,570
    
$
(5,559
)
  
$
1,345
    
$
45,553
  

The following table shows the Company’s investment in loans disaggregated based on the method of evaluating impairment at the dates indicated (dollars in thousands):

   
Recorded Investment
    
Allowance for Loan Losses
  
   
Individually
Evaluated
    
Collectively
Evaluated
    
Individually
Evaluated
    
Collectively
Evaluated
  
December 31, 2022
                        
Commercial real estate
  
$
—
    
$
919,358
    
$
—
    
$
13,029
  
Commercial - specialized
    
—
      
327,513
      
—
      
3,425
  
Commercial - general
    
3,350
      
481,433
      
22
      
9,193
  
Consumer:
                                
1-4 family residential
    
742
      
459,382
      
18
      
6,176
  
Auto loans
    
—
      
321,476
      
—
      
3,926
  
Other consumer
    
—
      
81,308
      
—
      
1,376
  
Construction
    
1,014
      
152,505
      
245
      
1,878
  
                                 

 
$
5,106
    
$
2,742,975
    
$
285
    
$
39,003
  
                                 
December 31, 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
  
                                 

 
$
7,771
    
$
2,429,806
    
$
1,344
    
$
40,754
  
Impaired Loan Information
Impaired loan information at the dates indicated follows (dollars in thousands):

   
Unpaid
Contractual
Principal Balance
    
Recorded
Investment
With No Allowance
    
Recorded
Investment
With
Allowance
    
Total
Recorded
Investment
    
Related
Allowance
    
Average
Recorded
Investment
  
December 31, 2022
                                    
Commercial real estate
  
$
—
    
$
—
    
$
—
    
$
—
    
$
—
    
$
551
  
Commercial - specialized
    
—
      
—
      
—
      
—
      
—
      
—
  
Commercial - general
    
3,350
      
799
      
2,551
      
3,350
      
22
      
4,214
  
Consumer:
                                                
1-4 family
    
742
      
486
      
256
      
742
      
18
      
1,167
  
Auto loans
    
—
      
—
      
—
      
—
      
—
      
—
  
Other consumer
    
—
      
—
      
—
      
—
      
—
      
—
  
Construction
    
1,014
      
686
      
328
      
1,014
      
245
      
507
  

 
$
5,106
    
$
1,971
    
$
3,135
    
$
5,106
    
$
285
    
$
6,439
  
                                                 
December 31, 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
    
—
      
—
      
—
      
—
      
—
      
—
  

 
$
7,771
    
$
2,023
    
$
5,748
    
$
7,771
    
$
1,344
    
$
10,396
  
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 the dates indicated (dollars in thousands):

   
30-89 Days
Past Due
    
90 Days or
More Past Due
    
Nonaccrual
  
December 31, 2022
                  
Commercial real estate
  
$
342
    
$
27
    
$
—
  
Commercial - specialized
    
25
      
13
      
38
  
Commercial - general
    
1,451
      
60
      
3,357
  
Consumer:
                        
1-4 Family residential
    
1,389
      
1,653
      
1,356
  
Auto loans
    
707
      
85
      
—
  
Other consumer
    
1,487
      
149
      
37
  
Construction
    
550
      
—
      
1,014
  

 
$
5,951
    
$
1,987
    
$
5,802
  
                         
December 31, 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
  

 
$
8,993
    
$
1,080
    
$
9,518
  
Summary of Internal Classifications of Loans
The following table summarizes the internal classifications of loans at the dates indicated (dollars in thousands):

   
Pass
    
Special
Mention
    
Substandard
    
Doubtful
    
Total
  
December 31, 2022
                              
Commercial real estate
  
$
893,312
    
$
—
    
$
26,046
    
$
—
    
$
919,358
  
Commercial - specialized
    
326,987
      
—
      
526
      
—
      
327,513
  
Commercial - general
    
451,639
      
—
      
33,144
      
—
      
484,783
  
Consumer:
                                        
1-4 family residential
    
450,034
      
—
      
10,090
      
—
      
460,124
  
Auto loans
    
321,158
      
—
      
318
      
—
      
321,476
  
Other consumer
    
81,109
      
—
      
199
      
—
      
81,308
  
Construction
    
151,995
      
—
      
1,524
      
—
      
153,519
  

 
$
2,676,234
    
$
—
    
$
71,847
    
$
—
    
$
2,748,081
  
                                         
December 31, 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
  

 
$
2,371,284
    
$
1,676
    
$
64,617
    
$
—
    
$
2,437,577