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LOANS HELD FOR INVESTMENT, Activity in ACL for Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2024
Jun. 30, 2023
Dec. 31, 2023
LOANS HELD FOR INVESTMENT [Abstract]          
Ratio of ACL for loans to loans held for investment 1.40%   1.40%   1.41%
Allowance for Credit Losses [Roll Forward]          
Beginning Balance $ 42,174 $ 39,560 $ 42,356 $ 39,288 $ 39,288
Provision for credit losses 1,775 [1] 3,960 [1] 2,540 [1] 4,760 [2]  
Charge-offs (860) (555) (1,999) (1,494)  
Recoveries 84 172 276 481  
Ending Balance 43,173 43,137 43,173 43,137 42,356
Provision for credit losses 1,775 3,700 2,605 4,710  
Provision for off-balance sheet credit exposures 0 (260) 65 (50)  
Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       102 102
Commercial Real Estate [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 15,784 13,381 15,808 13,029 13,029
Provision for credit losses (192) [1] 1,120 [1] (130) [1] 645 [2]  
Charge-offs 0 0 (86) 0 0
Recoveries 1 0 1 0  
Ending Balance 15,593 14,501 15,593 14,501 15,808
Commercial Real Estate [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       827 827
Commercial [Member] | Specialized [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 3,848 3,510 4,020 3,425 3,425
Provision for credit losses 877 [1] 626 [1] 672 [1] 616 [2]  
Charge-offs 0 0 0 0 (11)
Recoveries 11 18 44 80  
Ending Balance 4,736 4,154 4,736 4,154 4,020
Commercial [Member] | Specialized [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       33 33
Commercial [Member] | General [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 6,708 6,267 6,391 9,215 9,215
Provision for credit losses 461 [1] 1,478 [1] 1,120 [1] 1,242 [2]  
Charge-offs (344) (169) (720) (369) (469)
Recoveries 16 61 50 123  
Ending Balance 6,841 7,637 6,841 7,637 6,391
Commercial [Member] | General [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       (2,574) (2,574)
Consumer [Member] | 1-4 Family Residential [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 9,280 8,531 9,177 6,194 6,194
Provision for credit losses 420 [1] 318 [1] 694 [1] 954 [2]  
Charge-offs 0 0 (172) 0 (1)
Recoveries 2 2 3 3  
Ending Balance 9,702 8,851 9,702 8,851 9,177
Consumer [Member] | 1-4 Family Residential [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       1,700 1,700
Consumer [Member] | Auto Loans [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 3,415 3,714 3,601 3,926 3,926
Provision for credit losses 125 [1] 332 [1] 99 [1] 630 [2]  
Charge-offs (265) (157) (490) (411) (888)
Recoveries 12 11 77 87  
Ending Balance 3,287 3,900 3,287 3,900 3,601
Consumer [Member] | Auto Loans [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       (332) (332)
Consumer [Member] | Other Consumer [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 983 1,101 968 1,376 1,376
Provision for credit losses 200 [1] 155 [1] 436 [1] 220 [2]  
Charge-offs (251) (229) (531) [3] (442) (1,140) [4]
Recoveries 42 80 101 188  
Ending Balance 974 1,107 974 1,107 968
Consumer [Member] | Other Consumer [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       (235) (235)
Construction [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance 2,156 3,056 2,391 2,123 2,123
Provision for credit losses (116) [1] (69) [1] (351) [1] 453 [2]  
Charge-offs 0 0 0 (272) (319)
Recoveries 0 0 0 0  
Ending Balance $ 2,040 $ 2,987 $ 2,040 2,987 2,391
Construction [Member] | Impact of CECL Adoption [Member]          
Allowance for Credit Losses [Roll Forward]          
Beginning Balance       $ 683 $ 683
[1] For the three and six months ended June 30, 2024 the provision for credit loss of $1.8 million and $2.6 million, respectively, on the Consolidated Statement of Comprehensive Income includes a provision for credit losses on loans of $1.8 million and $2.5 million, respectively, and a provision for off-balance sheet credit exposures of $— and $65 thousand , respectively. For the three months ended June 30, 2023, the $3.7 million provision for credit loss on the Consolidated Statement of Comprehensive Income includes a $4.0 million provision for credit losses on loans and a $(260) thousand provision for off-balance sheet credit exposures.
[2] The $4.7 million provision for credit loss on the Consolidated Statement of Comprehensive Income includes a $4.8 million provision for credit losses on loans and a $(50) thousand provision for off-balance sheet credit exposures for the six months ended June 30, 2023.
[3] Includes $156 thousand in charged-off demand deposit overdrafts reported as 2024 originations.
[4] Includes $574 thousand in charged-off demand deposit overdrafts reported as 2023 originations.