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INCOME TAXES - Reconciliation of Statutory Tax Rates to Effective Tax Rates (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
INCOME TAXES [Abstract]      
Provision at statutory rates on pre-tax income $ 9,500 $ 7,115 $ 4,531
Provision at statutory rates on pre-tax income percent 21.00% 21.00% 21.00%
Effect of tax-exempt income $ (934) $ (854) $ (895)
Effect of tax-exempt income percent (2.10%) (2.50%) (4.10%)
State and local income taxes, net of federal income tax benefit [1] $ 150 $ 172 $ 62
State and local income taxes, net of federal income tax benefit percent [1] 0.30% 0.50% 0.30%
Low income housing tax credits $ (820) $ (688) $ (585)
Low income housing tax credits percent (1.80%) (2.10%) (2.80%)
Low income housing expense $ 755 $ 339 $ 399
Low income housing expense percent 1.70% 1.00% 1.80%
Bank owned life insurance $ (301) $ (354) $ (263)
Bank owned life insurance percent (0.70%) (1.00%) (1.20%)
Nondeductible interest $ 290 $ 308 $ 251
Nondeductible interest percent 0.70% 0.90% 1.20%
Nondeductible merger and acquisition expenses $ 0 $ 0 $ 247
Nondeductible merger and acquisition expenses percent 0.00% 0.00% 1.10%
Other items $ 26 $ 27 $ 17
Other items percent 0.10% 0.10% 0.10%
Provision for income taxes $ 8,666 $ 6,065 $ 3,764
Provision for income taxes percent 19.20% 17.90% 17.40%
[1] Taxes in New York and New Jersey make up the majority of the effect of the state and local tax category.