DEBT SECURITIES (Tables)

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of available-for-sale and held-to-maturity securities reconciliation

The following presents the amortized cost, fair value, and allowance for credit losses of debt securities and the corresponding amounts of gross unrealized or unrecognized gains and losses as of the date noted (dollars in thousands):

March 31, 2026	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value		Allowance for Credit Losses
Debt securities available-for-sale:
Residential mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	$	41,937	$	69	$	(67)	$	41,939	$	—
Total debt securities available-for-sale:	$	41,937	$	69	$	(67)	$	41,939	$	—

March 31, 2026	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses
Debt securities held-to-maturity:
U.S. Treasuries	$	248	$	—	$	(1)	$	247	$	—
U.S. government agencies and sponsored enterprises	3,335		3		(162)		3,176		—
Residential mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	56,952		134		(3,248)		53,838		—
Residential mortgage-backed securities - other	730		—		(47)		683		—
Commercial mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	6,133		—		(14)		6,119		—
Corporate bonds	27,715		297		(1,300)		26,712		(83)
Total debt securities held-to-maturity	$	95,113	$	434	$	(4,772)	$	90,775	$	(83)

December 31, 2025	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value		Allowance for Credit Losses
Debt securities available-for-sale:
Residential mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	$	45,623	$	54	$	(70)	$	45,607	$	—
Total debt securities available-for-sale	$	45,623	$	54	$	(70)	$	45,607	$	—

December 31, 2025	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Fair Value		Allowance for Credit Losses
Debt securities held-to-maturity:
U.S. Treasuries	$	248	$	1	$	—	$	249	$	—
U.S. government agencies and sponsored enterprises	3,412		3		(131)		3,284		—
Residential mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	59,839		209		(3,005)		57,043		—
Residential mortgage-backed securities - other	751		—		(47)		704		—
Commercial mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	6,138		—		(8)		6,130		—
Corporate bonds	24,656		116		(1,547)		23,225		(74)
Total debt securities held-to-maturity	$	95,044	$	329	$	(4,738)	$	90,635	$	(74)

Summary of the amortized cost and estimated fair value of held to maturity securities

	March 31, 2026
	Available-for-Sale				Held-to-Maturity
(dollars in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Due within one year	$	—	$	—	$	—	$	—
Due between one year and five years	—		—		4,246		4,322
Due between five years and ten years	—		—		23,717		22,637
Due after ten years	—		—		—		—
Securities (MBS and Agency)	41,937		41,939		67,150		63,816
Total	$	41,937	$	41,939	$	95,113	$	90,775

Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value

The following presents AFS debt securities that were in an unrealized loss position, based on the length of time the individual debt securities have been in an unrealized loss position.

	March 31, 2026
		Less than 12 Months				12 Months or More				Total
(dollars in thousands)	Number of Securities	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
Debt securities available-for-sale:
Residential mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	3	$	12,462	$	(67)	$	—	$	—	$	12,462	$	(67)
Total debt securities available-for-sale	3	$	12,462	$	(67)	$	—	$	—	$	12,462	$	(67)

	December 31, 2025
		Less than 12 Months				12 Months or More				Total
(dollars in thousands)	Number of Securities	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
Debt securities available-for-sale:
Residential mortgage-backed securities issued by U.S. government agencies and sponsored enterprises	6	$	27,693	$	(70)	$	—	$	—	$	27,693	$	(70)
Total debt securities available-for-sale	6	$	27,693	$	(70)	$	—	$	—	$	27,693	$	(70)

Allowance for credit losses for HTM securities

The following presents the activity in the ACL for debt securities HTM by major security type for the periods noted:

	Corporate Bonds
	Three Months Ended March 31,
(dollars in thousands)	2026		2025
Allowance for credit losses:
Beginning balance	$	74	$	71
Provision for credit losses	9		—
Securities charged-off (recoveries)	—		—
Total ending allowance balance	$	83	$	71