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REGULATORY MATTERS (Tables)
 12 Months Ended
Dec. 31, 2024
REGULATORY MATTERS [Abstract]  
Capital Ratios under Banking Regulations The following table provides the Bank’s computed risk‑based capital ratios as of December 31, 2024, which reflects the Bank being well capitalized on that date (dollars in thousands):


   
Actual
    
For Capital Adequacy Purposes
    
To Be Well Capitalized Under
Prompt Corrective Action Provisions
  
2024
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total Capital (to Risk Weighted Assets):
  
Company
  
$
284,931
      
11.88
%
  
$
191,824
      
8.00
%
  
$
239,780
      
10.00
%
  Bank
  
$
287,020
      
11.99
%
  
$
191,501
      
8.00
%
  
$
239,376
      
10.00
%
                                                 
Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
243,761
      
10.17
%
  
$
143,868
      
6.00
%
  
$
191,824
      
8.00
%
  Bank
  
$
265,207
      
11.08
%
  
$
143,625
      
6.00
%
  
$
191,501
      
8.00
%
                                                 
Common Equity Tier 1 Capital (to Risk Weighted Assets):
  
Company
  
$
236,261
      
9.86
%
  
$
107,901
      
4.50
%
  
$
155,857
      
6.50
%
  Bank
  
$
265,207
      
11.08
%
  
$
107,719
      
4.50
%
  
$
155,594
      
6.50
%
                                                 
Tier 1 Capital (to Average Assets):
  
Company
  
$
243,761
      
8.26
%
  
$
118,096
      
4.00
%
  
$
147,620
      
5.00
%
  Bank
  
$
265,207
      
8.99
%
  
$
118,007
      
4.00
%
  
$
147,508
      
5.00
%