FAIR VALUE - Summary of carrying amounts and estimated fair values for financial instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Assets:
Cash and cash equivalents	$ 236,041	$ 254,442	$ 196,512
Held-to-maturity debt securities, net of ACL	68,161	66,617
Financing receivable loan	2,425,565	2,530,915
Accrued interest receivable	10,364	11,428
Liabilities:
FHLB borrowings – fixed rate	57,038	125,711
Subordinated notes	52,565	52,340
Accrued interest payable	1,995	3,793
Fair Value Carrying Amount	32,989	20,980
Loans held for investment, fair value option
Liabilities:
Fair Value Carrying Amount	7,283	13,726
Carrying Amount
Assets:
Cash and cash equivalents	236,041	254,442
Held-to-maturity debt securities, net of ACL	75,724	74,102
Financing receivable loan	2,399,952	2,493,258
Accrued interest receivable	10,364	11,428
Liabilities:
Term deposits	471,415	496,452
Non-term deposits	2,042,794	2,032,587
FHLB borrowings – fixed rate	5,000	41,175
FHLB borrowings – floating rate	50,000	50,000
Federal Reserve borrowings – fixed rate	2,038	34,536
Accrued interest payable	1,995	3,793
Subordinated Notes | Carrying Amount
Liabilities:
Subordinated notes	52,565	52,340
Quoted Prices in Active Markets for Identical Assets (Level 1) | Estimate of Fair Value Measurement
Assets:
Cash and cash equivalents	236,041	254,442
Held-to-maturity debt securities, net of ACL	242	243
Accrued interest receivable	10,364	11,428
Liabilities:
Term deposits	429,008	414,613
Non-term deposits	2,042,794	2,032,587
FHLB borrowings – fixed rate	5,000	41,175
Federal Reserve borrowings – fixed rate	2,038	3,539
Accrued interest payable	1,995	3,793
Significant Other Observable Inputs (Level 2) | Estimate of Fair Value Measurement
Assets:
Held-to-maturity debt securities, net of ACL	60,044	58,229
Liabilities:
FHLB borrowings – floating rate	50,000	49,986
Federal Reserve borrowings – fixed rate		30,936
Level 3 | Estimate of Fair Value Measurement
Assets:
Held-to-maturity debt securities, net of ACL	7,875	8,144
Financing receivable loan	2,325,081	2,395,468
Liabilities:
Term deposits	42,764	82,564
Level 3 | Subordinated Notes | Estimate of Fair Value Measurement
Liabilities:
Subordinated notes	$ 48,451	$ 48,228