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INCOME TAXES - Reconciliation of Income Tax (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
INCOME TAXES      
Expected provision $ 6,401 $ 6,794 $ 7,914
Tax-exempt interest income (964) (1,029) (921)
Increase in cash surrender value and other income from life insurance, net (586) (103) (118)
ESOP Dividends (143) (130) (120)
Initiated surrender of bank-owned life insurance 950 0 0
State income tax, net of Federal benefit 329 296 375
Nondeductible interest expense 283 87 52
Other, net 65 (183) (49)
Effective income tax provision, Total $ 6,335 $ 5,732 $ 7,133
Expected provision 21.00% 21.00% 21.00%
Tax-exempt interest income, percentage 3.20% 3.20% 2.40%
Increase in cash surrender value and other income from life insurance, net, percentage (1.90%) (0.30%) (0.30%)
ESOP Dividends, percentage (0.50%) (0.40%) (0.30%)
Initiated surrender of bank-owned life insurance percentage 3.10% 0.00% 0.00%
State income tax, net of federal benefit, percentage 1.10% 0.90% 1.00%
Nondeductible interest expense, percentage 0.90% 0.30% 0.10%
Other, net, percentage 0.30% (0.60%) (0.10%)
Effective income tax provision, percentage 20.80% 17.70% 18.90%