INCOME TAXES - Reconciliation of federal income tax rate (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Tax
Taxes computed at statutory rate	$ 1,760,000	$ 2,370,000	$ 1,367,000
State income tax expense, net of federal effect	224,000
Tax-exempt interest income	(176,000)	(191,000)	(198,000)
Income from BOLI	(112,000)	(102,000)	(93,000)
Tefra disallowance	79,000
Federal tax credits		(1,416,000)	(45,000)
Other	96,000	(251,000)	172,000
Other changes in valuation allowance	(15,194,000)	1,711,000	(3,634,000)
Total income tax (benefit) expense	$ (13,323,000)	$ 2,121,000	$ (2,431,000)
Rate
Taxes computed at statutory rate	21.00%	21.00%	21.00%
State income tax expense, net of federal effect	2.70%
Tax-exempt interest income	(2.10%)	(2.00%)	(3.00%)
Income from BOLI	(1.30%)	(1.00%)	(1.00%)
Tefra disallowance	0.90%
Federal tax credits		(12.00%)	(1.00%)
Other	1.10%	(2.00%)	2.00%
Other changes in valuation allowance	(181.30%)	15.00%	(55.00%)
Total income tax (benefit) expense	(159.00%)	18.80%	(37.00%)