FINANCIAL INSTRUMENTS WITH OFF BALANCE SHEET RISK (Tables)

12 Months Ended

Dec. 31, 2024

Investments, All Other Investments [Abstract]

Schedule of Financial Instruments with Off-Balance-Sheet Risk

Contractual or notional amounts of financial instruments representing off-balance-sheet credit risk are as follows as of the dates indicated (dollars in thousands):

	December 31, 2024				December 31, 2023
	Fixed		Variable		Fixed		Variable
Commitments to extend credit	$	6,589	$	27,627	$	5,327	$	6,966
Unused lines of credit		3,238		37,662		3,962		18,859
Totals	$	9,828	$	65,289	$	9,289	$	25,825

Schedule of Credit Losses on Off-Balance Sheet Credit

The following table presents the changes in the ACL on unfunded loan commitments for the year ended December 31, 2024:

December 31, 2024 (in 000s)	Unfunded Loan Commitments
Allowance for credit losses:
Beginning balance	$	135
Impact of the CBOA merger		222
Provision for credit losses		237
Ending balance	$	594