INCOME TAXES - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Bad debts	$ 21,909	$ 18,384
Pension and deferred compensation liability	2,166	1,823
Nonaccrual loan interest	955	494
Long-term incentive plan	1,755	2,342
Lease liability	1,727	1,199
Deferred loan fees	574	781
Accrued legal reserve	0	635
Net operating loss carryforward	1,343	913
Other	724	591
Deferred tax asset	31,153	27,162
Deferred tax liabilities:
Depreciation	3,324	3,645
Loan servicing rights	502	570
State taxes	1,153	949
Intangible assets	1,267	1,270
REIT spillover dividend	2,040	2,140
Prepaid expenses	900	801
Lease right of use	1,727	1,199
Other	331	480
Deferred tax liability	11,244	11,054
Valuation allowance	0	0
Net deferred tax asset	$ 19,909	$ 16,108