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COMMITMENTS AND CONTINGENCIES (Tables)
6 Months Ended
Jun. 30, 2025
COMMITMENTS AND CONTINGENCIES  
Schedule of off-balance-sheet financial instruments

The following off-balance-sheet financial instruments, whose contract amounts represent credit risk, are outstanding (in thousands):

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At June 30, 2025

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At December 31, 2024

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Fixed

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Variable

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Fixed

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Variable

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Rate

    

Rate

    

Rate

    

Rate

Unused loan commitments

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$

127,415

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$

588,350

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$

108,561

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$

586,821

Standby and commercial letters of credit

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27,870

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—

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31,920

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—

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$

155,285

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$

588,350

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$

140,481

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$

586,821