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ACCUMULATED OTHER COMPREHENSIVE LOSS
 12 Months Ended
Dec. 31, 2025
ACCUMULATED OTHER COMPREHENSIVE LOSS [Abstract]  
ACCUMULATED OTHER COMPREHENSIVE LOSS
14. ACCUMULATED OTHER COMPREHENSIVE LOSS
 
The components of accumulated other comprehensive loss, net of tax, as of December 31, were as follows (in thousands):
 
   
2025
    
2024
  
Net unrealized gain on securities available for sale
  
$
(17,778
)
  
$
(33,624
)
Tax effect
    
3,733
      
7,060
  
Net -of-tax amount
    
(14,045
)
    
(26,564
)
Unrealized loss on interest rate swap
    
2,486
      
4,236
  
Tax effect
    
521
      
889
  
Net -of-tax amount
    
1,965
      
3,347
  
Unrecognized pension costs
    
(376
)
    
(385
)
Tax effect
    
79
      
81
  
Net -of-tax amount
    
(297
)
    
(304
)
                 
Total accumulated other comprehensive income
  
$
(12,377
)
  
$
(23,521
)
 
The following tables present the changes in accumulated other comprehensive loss by component net of tax for the years ended December 31, 2025, 2024 and 2023 (in thousands):
 
   
Unrealized gain
(loss) on available for
sale securities (a)
    
Unrealized gain
(loss) on interest
rate swap (a)
    
Defined Benefit
Pension Items
(a)
    
Total
  
Balance as of December 31, 2022
  
$
(37,514
)
  
$
5,429
    
$
(1,056
)
  
$
(33,141
)
Other comprehensive income (loss) before reclassifications (net of tax)
    
9,237
      
610
      
52
      
9,899
  
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)
    
39
      
(1,740
)
    
32
      
(1,669
)
Net current period other comprehensive income (loss)
    
9,276
      
(1,130
)
    
84
      
8,230
  
Balance as of December 31, 2023
  
$
(28,238
)
  
$
4,299
    
$
(972
)
  
$
(24,911
)
                                 
Balance as of December 31, 2023
  
$
(28,238
)
  
$
4,299
    
$
(972
)
  
$
(24,911
)
Other comprehensive income (loss) before reclassifications (net of tax)
    
1,674
      
1,036
      
642
      
3,352
  
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)
    
-
      
(1,988
)
    
26
      
(1,962
)
Net current period other comprehensive income (loss)
    
1,674
      
(952
)
    
668
      
1,390
  
Balance as of December 31, 2024
  
$
(26,564
)
  
$
3,347
    
$
(304
)
  
$
(23,521
)
                                 
Balance as of December 31, 2024
  
$
(26,564
)
  
$
3,347
    
$
(304
)
  
$
(23,521
)
Other comprehensive income (loss) before reclassifications (net of tax)
    
12,519
      
(13
)
    
7
      
12,513
  
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)
    
-
      
(1,369
)
    
-
      
(1,369
)
Net current period other comprehensive income (loss)
    
12,519
      
(1,382
)
    
7
      
11,144
  
Balance as of December 31, 2025
  
$
(14,045
)
  
$
1,965
    
$
(297
)
  
$
(12,377
)
 
(a) Amounts in parentheses indicate debits
The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive loss for the years ended December 31, 2025, 2024 and 2023 (in thousands):
 

Details about accumulated other comprehensive income (loss)
  
Amount reclassified from accumulated
comprehensive income (loss) (a)
  
Affected line item in the Consolidated Statement of Income
   
December 31,
    
   
2025
    
2024
    
2023
    
Unrealized gains and losses on available for sale securities
                  
   
$
-
    
$
-
    
$
(51
)
Available for sale securities (losses) gains, net
     
-
      
-
      
12
  
Provision for income taxes
   
$
-
    
$
-
    
$
(39
)
Net of tax
Unrealized gain (loss) on interest rate swap
  
$
1,733
    
$
2,516
    
$
2,203
  
Interest expense
     
(364
)
    
(528
)
    
(463
)
Provision for income taxes
   
$
1,369
    
$
1,988
    
$
1,740
  
Net of tax
                         
Defined benefit pension items
                        
   
$
-
    
$
(33
)
  
$
(41
)
Other expenses
     
-
      
7
      
9
  
Provision for income taxes
   
$
-
    
$
(26
)
  
$
(32
)
Net of tax
Total reclassifications
  
$
1,369
    
$
1,962
    
$
1,669
    

(a) Amounts in parentheses indicate debits