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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES - Allowance by Loan Segment (Details) - USD ($)
 9 Months Ended 12 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year $ 2,157,000 $ 2,162,000 $ 2,162,000
Charged off (371,000) (136,000) (203,000)
Recoveries 189,000   102,000
(Release) provision for credit losses 773,000   96,000
Balance, end of year 2,748,000   2,157,000
Individually evaluated for impairment:      
Individually evaluated for impairment, Balance in allowance 19,000   200,000
Individually evaluated for impairment, Related loan balance 165,000   329,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 2,729,000   1,957,000
Collectively evaluated for impairment, Related loan balance 206,810,000   175,978,000
Real Estate Loan      
Individually evaluated for impairment:      
Individually evaluated for impairment, Balance in allowance 19,000   21,000
Real Estate Loan | Construction and Land      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 31,000 44,000 44,000
(Release) provision for credit losses 2,000   (13,000)
Balance, end of year 33,000   31,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 33,000   31,000
Collectively evaluated for impairment, Related loan balance 7,292,000   4,636,000
Real Estate Loan | Farmland      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 18,000 20,000 20,000
(Release) provision for credit losses (2,000)   (2,000)
Balance, end of year 16,000   18,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 16,000   18,000
Collectively evaluated for impairment, Related loan balance 316,000   325,000
Real Estate Loan | Single-family Residential      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 1,290,000 1,230,000 1,230,000
(Release) provision for credit losses 259,000   60,000
Balance, end of year 1,549,000   1,290,000
Individually evaluated for impairment:      
Individually evaluated for impairment, Balance in allowance 19,000   21,000
Individually evaluated for impairment, Related loan balance 36,000   30,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 1,530,000   1,269,000
Collectively evaluated for impairment, Related loan balance 99,869,000   86,857,000
Real Estate Loan | Multi-family      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 96,000 103,000 103,000
(Release) provision for credit losses 133,000   (7,000)
Balance, end of year 229,000   96,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 229,000   96,000
Collectively evaluated for impairment, Related loan balance 5,059,000   5,165,000
Real Estate Loan | Commercial      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 190,000 221,000 221,000
(Release) provision for credit losses 187,000   (31,000)
Balance, end of year 377,000   190,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 377,000   190,000
Collectively evaluated for impairment, Related loan balance 50,200,000   39,217,000
Commercial and Industrial      
Individually evaluated for impairment:      
Individually evaluated for impairment, Balance in allowance     179,000
Commercial and Industrial | Commercial and Industrial      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 304,000 174,000 174,000
Charged off (299,000)    
(Release) provision for credit losses 277,000   130,000
Balance, end of year 282,000   304,000
Individually evaluated for impairment:      
Individually evaluated for impairment, Balance in allowance     179,000
Individually evaluated for impairment, Related loan balance 129,000   299,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 282,000   125,000
Collectively evaluated for impairment, Related loan balance 16,111,000   10,551,000
Commercial and Industrial | SBA guaranty      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 21,000 22,000 22,000
(Release) provision for credit losses 16,000   (1,000)
Balance, end of year 37,000   21,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 37,000   21,000
Collectively evaluated for impairment, Related loan balance 5,759,000   5,924,000
Consumer Loans | Consumer      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 30,000 23,000 23,000
Charged off (18,000)   (79,000)
Recoveries 132,000   1,000
(Release) provision for credit losses (93,000)   85,000
Balance, end of year 51,000   30,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 51,000   30,000
Collectively evaluated for impairment, Related loan balance 3,168,000   2,039,000
Consumer Loans | Automobile      
Financing Receivable, Allowance for Credit Losses      
Balance, beginning of year 177,000 $ 325,000 325,000
Charged off (54,000)   (124,000)
Recoveries 57,000   101,000
(Release) provision for credit losses (6,000)   (125,000)
Balance, end of year 174,000   177,000
Collectively evaluated for impairment:      
Collectively evaluated for impairment, Balance in allowance 174,000   177,000
Collectively evaluated for impairment, Related loan balance $ 19,036,000   $ 21,264,000