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COMMITMENTS AND CONTINGENCIES (Tables)
 3 Months Ended
Mar. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
Schedule of contract amounts represent credit risk
The following presents the Company’s financial instruments whose contract amounts represent credit risk, as of the dates noted:
March 31, 2025December 31, 2024
(dollars in thousands)Fixed RateVariable RateFixed RateVariable Rate
Unused lines of credit$43,454 $509,158 $68,427 $453,520 
Standby letters of credit12,885 10,427 13,864 8,000 
Commitments to make loans to sell40,638 — 19,769 — 
Commitments to make loans2,200 93,954 4,029 15,563 
The following presents the changes in the ACL on unfunded loan commitments:
Three Months Ended March 31,
(dollars in thousands)20252024
Beginning balance$672 $2,178 
(Release) provision for credit losses(112)(627)
Ending balance$560 $1,551