INCOME TAXES - Schedule of deferred tax assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Allowance for credit losses on loans and REO	$ 4,064	$ 4,242
Allowance for losses held-to-maturity securities	38	0
Net unrealized losses on securities available-for-sale	8,087	9,529
Accrued postretirement benefits	1,173	1,195
Accrued interest receivable	144	187
Accrued bonus	244	730
Stock compensation	602	150
Premises and equipment	184	109
Finance lease liability	7,527	7,681
Charitable contribution carryover	2,533	2,729
Federal net operating loss carryforward	6,935	5,417
State net operating loss carryforward	2,345	1,879
Other	61	0
Total gross deferred tax assets	33,937	33,848
Valuation allowance	(24,105)	(22,570)
Gross deferred tax assets after valuation allowance	9,832	11,278
Deferred tax liabilities:
Net unrealized gains on derivatives	2,131	3,118
Deferred loan fees, net	559	772
Unrealized actuarial gains on post retirement benefits	66	105
Finance lease right-of-use asset	7,076	7,282
Other	0	1
Total gross deferred tax liabilities	9,832	11,278
Net deferred tax asset	$ 0	$ 0