LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Multifamily	$ 676,092	$ 457,027
Loans held for investment	676,092	457,027
Less: allowance for credit losses	(10,160)	(5,860)	$ (4,778)
Loans held for investment, net	665,932	451,167
Single Family [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	69,330	61,645
Less: allowance for credit losses	(859)	(736)	(454)
Commercial Loan [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	109,924	50,169
Less: allowance for credit losses	(2,753)	(924)	(1,382)
Consumer Loan [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	261	698
Less: allowance for credit losses	(3)	(8)	(56)
Construction Loans [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	26,285	34,538
Less: allowance for credit losses	(370)	(512)	(222)
Non Owner Occupied (NOO) CRE [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	258,652	167,203
Less: allowance for credit losses	(3,604)	(1,859)	(1,680)
Owner Occupied (OO) CRE [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	151,399	82,228
Less: allowance for credit losses	(1,918)	(1,201)	(555)
Multifamily [Member]
Financing Receivable, Past Due [Line Items]
Multifamily	60,241	60,546
Less: allowance for credit losses	$ (653)	$ (620)	$ (429)

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

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