INCOME TAXES - Summary of components of the net deferred tax asset and liabilities (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Deferred Tax Assets:
Net unrealized losses on debt securities available-for-sale and derivatives	$ 6,852,000	$ 7,880,000
Allowance for credit losses	1,617,000	1,454,000
Provision for unfunded commitments	21,000	35,000
Deferred compensation	179,000	218,000
Contributions	2,000	4,000
Accrued rent expense	109,000	106,000
Operating lease liabilities	405,000	415,000
Finance lease liabilities	0	0
Limited partnership investments	538,000	322,000
Impairment loss on securities	4,000	4,000
Deferred health insurance	55,000	53,000
Capital and net operating loss carry forwards	367,000	285,000
Valuation allowance related to state net operating losses	(367,000)	(285,000)
Total	9,782,000	10,491,000
Deferred Tax Liabilities:
Loan fees and costs	187,000	225,000
Net unrealized gains on marketable equity securities	259,000	231,000
Operating lease right-of-use assets	405,000	415,000
Accumulated depreciation	649,000	438,000
Accretion	491,000	172,000
Mortgage servicing rights	61,000	58,000
Derivatives remeasurement	5,000	0
Intangibles	0	257,000
Total	2,057,000	1,796,000
Net Deferred Tax Asset	$ 7,725,000	$ 8,695,000