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INCOME TAXES - Effective Income Tax Rate Reconciliation (Details)
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Income Tax Disclosure [Abstract]      
Statutory federal income tax rate 21.00% 21.00% 21.00%
State tax, net of federal tax benefit 4.70% 4.40% 5.10%
Tax-exempt interest (0.70%) (0.60%) (0.50%)
Bank-owned life insurance income (0.10%) (0.10%) 0.00%
Nondeductible acquisition costs 0.00% 0.00% 0.10%
Federal tax credits, net of amortization (1.30%) (0.50%) (0.40%)
Nondeductible compensation 0.10% 0.10% 0.20%
Nondeductible goodwill 0.00% 0.00% 0.50%
Surrender of bank-owned life insurance policies 0.00% 1.90% 0.00%
Other 0.40% 0.10% (0.10%)
Effective tax rate 24.10% 26.30% 25.90%