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LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES (Details) - USD ($)
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES [Abstract]    
Net unamortized loan fees and costs $ 1,981,000 $ 2,587,000
Real estate loans serviced for Freddie Mac and Fannie Mae 181,675,000 193,507,000
Real estate loans sold to Freddie Mac and Fannie Mae without recourse 173,901,000 184,578,000
Portfolio balance under MPF 7,774,000 8,929,000
First-loss position for MPF maintained by FHLB 171,000 168,000
Credit enhancement for MPF by FHLB 197,000 229,000
Nonaccrual Without a related allowance 16,304,000 20,053,000
Amount over which all relationships to be reviewed, minimum 500,000  
Foreclosed assets held for sale 2,358,000 $ 2,635,000
Consumer Residential Mortgages [Member]    
LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES [Abstract]    
Foreclosed assets held for sale 0  
Formal foreclosure proceedings on potential foreclosure assets $ 617,000  
Minimum [Member]    
LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES [Abstract]    
Period of past due after which loans considered as non accrual 90 days  
Percentage of dollar volume of commercial loan portfolio to be reviewed 50.00%  
Amount over which all relationships to be reviewed $ 1,000,000  
Amount which is 30 days past due to be reviewed for all aggregate loan relationships $ 750,000  
First Mortgage [Member] | Minimum [Member]    
LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES [Abstract]    
Period of mortgage on real estate 15 years  
First Mortgage [Member] | Maximum [Member]    
LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES [Abstract]    
Period of mortgage on real estate 30 years  
Second Mortgage [Member] | Maximum [Member]    
LOANS AND RELATED ALLOWANCE FOR CREDIT LOSSES [Abstract]    
Period of mortgage on real estate 15 years