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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loan portfolio summarized by risk rating and year of origination and year-to-date gross charge-offs (Details) - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Loans          
2025/2024 $ 93,450,000   $ 93,450,000   $ 115,236,000
2024/2023 108,695,000   108,695,000   133,644,000
2023/2022 123,980,000   123,980,000   184,275,000
2022/2021 164,672,000   164,672,000   138,658,000
2021/2020 129,231,000   129,231,000   109,010,000
Prior 336,984,000   336,984,000   266,003,000
Financing Receivable, Total 957,012,000   957,012,000   946,826,000
Gross Charge Offs:          
2024/2023     8,000   15,000
2023/2022     443,000   29,000
2022/2021     3,000   31,000
2021/2020     2,000   8,000
Prior     16,000   855,000
Total Gross Charge Offs 31,000 $ 750,000 472,000 $ 783,000 938,000
Pass          
Loans          
2025/2024 92,625,000   92,625,000   115,236,000
2024/2023 108,286,000   108,286,000   133,224,000
2023/2022 121,851,000   121,851,000   179,670,000
2022/2021 159,767,000   159,767,000   137,865,000
2021/2020 126,896,000   126,896,000   104,905,000
Prior 315,769,000   315,769,000   248,092,000
Financing Receivable, Total 925,194,000   925,194,000   918,992,000
Special Mention          
Loans          
2025/2024 825,000   825,000    
2024/2023 409,000   409,000    
2023/2022 2,129,000   2,129,000   76,000
2022/2021 339,000   339,000   225,000
2021/2020 1,045,000   1,045,000    
Prior 1,212,000   1,212,000   1,239,000
Financing Receivable, Total 5,959,000   5,959,000   1,540,000
Substandard          
Loans          
2024/2023         420,000
2023/2022         4,529,000
2022/2021 4,566,000   4,566,000   568,000
2021/2020 1,290,000   1,290,000   4,105,000
Prior 20,003,000   20,003,000   16,672,000
Financing Receivable, Total 25,859,000   25,859,000   26,294,000
Real Estate          
Loans          
2025/2024 83,088,000   83,088,000   103,734,000
2024/2023 100,187,000   100,187,000   114,225,000
2023/2022 106,287,000   106,287,000   171,887,000
2022/2021 157,648,000   157,648,000   120,199,000
2021/2020 112,150,000   112,150,000   105,841,000
Prior 306,785,000   306,785,000   234,770,000
Financing Receivable, Total 866,145,000   866,145,000   850,656,000
Gross Charge Offs:          
2023/2022     10,000    
Prior     7,000   345,000
Total Gross Charge Offs   237,000 17,000 237,000 345,000
Real Estate | Pass          
Loans          
2025/2024 82,263,000   82,263,000   103,734,000
2024/2023 100,093,000   100,093,000   114,225,000
2023/2022 104,158,000   104,158,000   167,282,000
2022/2021 152,743,000   152,743,000   119,406,000
2021/2020 109,815,000   109,815,000   101,748,000
Prior 285,612,000   285,612,000   216,890,000
Financing Receivable, Total 834,684,000   834,684,000   823,285,000
Real Estate | Special Mention          
Loans          
2025/2024 825,000   825,000    
2024/2023 94,000   94,000    
2023/2022 2,129,000   2,129,000   76,000
2022/2021 339,000   339,000   225,000
2021/2020 1,045,000   1,045,000    
Prior 1,183,000   1,183,000   1,239,000
Financing Receivable, Total 5,615,000   5,615,000   1,540,000
Real Estate | Substandard          
Loans          
2023/2022         4,529,000
2022/2021 4,566,000   4,566,000   568,000
2021/2020 1,290,000   1,290,000   4,093,000
Prior 19,990,000   19,990,000   16,641,000
Financing Receivable, Total 25,846,000   25,846,000   25,831,000
Agricultural          
Loans          
2025/2024 26,000   26,000   59,000
2024/2023 222,000   222,000   223,000
2023/2022 158,000   158,000   43,000
2022/2021 26,000   26,000    
Prior 639,000   639,000   611,000
Financing Receivable, Total 1,071,000   1,071,000   936,000
Agricultural | Pass          
Loans          
2025/2024 26,000   26,000   59,000
2024/2023 222,000   222,000   223,000
2023/2022 158,000   158,000   43,000
2022/2021 26,000   26,000    
Prior 639,000   639,000   611,000
Financing Receivable, Total 1,071,000   1,071,000   936,000
Commercial and Industrial          
Loans          
2025/2024 8,872,000   8,872,000   8,481,000
2024/2023 6,607,000   6,607,000   16,672,000
2023/2022 15,561,000   15,561,000   8,888,000
2022/2021 5,187,000   5,187,000   4,544,000
2021/2020 3,544,000   3,544,000   3,098,000
Prior 24,217,000   24,217,000   25,023,000
Financing Receivable, Total 63,988,000   63,988,000   66,706,000
Gross Charge Offs:          
2023/2022     426,000    
2022/2021         20,000
Prior         504,000
Total Gross Charge Offs 20,000 504,000 426,000 504,000 524,000
Commercial and Industrial | Pass          
Loans          
2025/2024 8,872,000   8,872,000   8,481,000
2024/2023 6,292,000   6,292,000   16,252,000
2023/2022 15,561,000   15,561,000   8,888,000
2022/2021 5,187,000   5,187,000   4,544,000
2021/2020 3,544,000   3,544,000   3,086,000
Prior 24,214,000   24,214,000   24,998,000
Financing Receivable, Total 63,670,000   63,670,000   66,249,000
Commercial and Industrial | Special Mention          
Loans          
2024/2023 315,000   315,000    
Financing Receivable, Total 315,000   315,000    
Commercial and Industrial | Substandard          
Loans          
2024/2023         420,000
2021/2020         12,000
Prior 3,000   3,000   25,000
Financing Receivable, Total 3,000   3,000   457,000
Consumer          
Loans          
2025/2024 1,400,000   1,400,000   2,962,000
2024/2023 1,679,000   1,679,000   1,292,000
2023/2022 779,000   779,000   718,000
2022/2021 437,000   437,000   577,000
2021/2020 382,000   382,000   71,000
Prior 769,000   769,000   770,000
Financing Receivable, Total 5,446,000   5,446,000   6,390,000
Gross Charge Offs:          
2024/2023     8,000   15,000
2023/2022     7,000   29,000
2022/2021     3,000   11,000
2021/2020     2,000   8,000
Prior     9,000   6,000
Total Gross Charge Offs 11,000 $ 9,000 29,000 $ 42,000 69,000
Consumer | Pass          
Loans          
2025/2024 1,400,000   1,400,000   2,962,000
2024/2023 1,679,000   1,679,000   1,292,000
2023/2022 779,000   779,000   718,000
2022/2021 437,000   437,000   577,000
2021/2020 382,000   382,000   71,000
Prior 730,000   730,000   764,000
Financing Receivable, Total 5,407,000   5,407,000   6,384,000
Consumer | Special Mention          
Loans          
Prior 29,000   29,000    
Financing Receivable, Total 29,000   29,000    
Consumer | Substandard          
Loans          
Prior 10,000   10,000   6,000
Financing Receivable, Total 10,000   10,000   6,000
State and Political Subdivisions          
Loans          
2025/2024 64,000   64,000    
2024/2023         1,232,000
2023/2022 1,195,000   1,195,000   2,739,000
2022/2021 1,374,000   1,374,000   13,338,000
2021/2020 13,155,000   13,155,000    
Prior 4,574,000   4,574,000   4,829,000
Financing Receivable, Total 20,362,000   20,362,000   22,138,000
State and Political Subdivisions | Pass          
Loans          
2025/2024 64,000   64,000    
2024/2023         1,232,000
2023/2022 1,195,000   1,195,000   2,739,000
2022/2021 1,374,000   1,374,000   13,338,000
2021/2020 13,155,000   13,155,000    
Prior 4,574,000   4,574,000   4,829,000
Financing Receivable, Total $ 20,362,000   $ 20,362,000   $ 22,138,000