INCOME TAXES - Schedule of deferred tax assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for loan losses and REO	$ 4,617	$ 5,136
Allowance for losses premises and equipment	0	3,915
Net unrealized losses on derivatives	69	1,559
Accrued postretirement benefits	1,217	1,077
Accrued interest receivable	179	108
Accrued bonus	506	112
Finance Lease Liability	7,504	7,178
Charitable contribution carryover	2,709	0
Funded status of benefit plans	342	490
Federal net operating loss carryforward	6,648	0
State net operating loss carryforward	2,392	553
Other	37	49
Total gross deferred tax assets	26,220	20,177
Valuation allowance	(16,868)	(72)
Gross deferred tax assets after valuation allowance	9,352	20,105
Deferred tax liabilities:
Net unrealized gains on securities available for sale	327	1,509
Deferred loan fees, net	1,198	1,472
Premises and equipment	489	0
Finance Lease ROU Asset	7,156	6,993
Other	182	114
Total gross deferred tax liabilities	9,352	10,088
Net deferred tax asset	$ 0	$ 10,017