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INCOME TAXES - Reconciliation of Income Tax (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
INCOME TAXES      
Expected provision $ 6,693 $ 6,401 $ 6,794
Tax-exempt interest income (964) (964) (1,029)
Increase in cash surrender value and other income from life insurance, net (369) (586) (103)
ESOP Dividends (144) (143) (130)
Initiated surrender of bank-owned life insurance 0 950 0
State income tax, net of Federal benefit 297 329 296
Nondeductible interest expense 368 283 87
Other, net 32 65 (183)
Effective income tax provision, Total $ 5,913 $ 6,335 $ 5,732
Expected provision 21.00% 21.00% 21.00%
Tax-exempt interest income, percentage 3.00% 3.20% 3.20%
Increase in cash surrender value and other income from life insurance, net, percentage (1.20%) (1.90%) (0.30%)
ESOP Dividends, percentage (0.50%) (0.50%) (0.40%)
Initiated surrender of bank-owned life insurance percentage 0.00% 3.10% 0.00%
State income tax, net of federal benefit, percentage 0.90% 1.10% 0.90%
Nondeductible interest expense, percentage 1.30% 0.90% 0.30%
Other, net, percentage 0.10% 0.30% (0.60%)
Effective income tax provision, percentage 18.60% 20.80% 17.70%