LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($) |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2023 |
Sep. 30, 2022 |
Sep. 30, 2023 |
Sep. 30, 2022 |
|
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | $ 28,243,000 | $ 21,463,000 | $ 25,068,000 | $ 21,606,000 |
| Provision for Credit Losses | 1,993,000 | 1,986,000 | 7,175,000 | 3,759,000 |
| Charge-Offs | (2,075,000) | (1,762,000) | (6,705,000) | (5,833,000) |
| Recoveries | 922,000 | 1,060,000 | 3,545,000 | 3,215,000 |
| Net (Charge-Offs) Recoveries | (1,153,000) | (702,000) | (3,160,000) | (2,618,000) |
| Ending Balance | 29,083,000 | 22,747,000 | 29,083,000 | 22,747,000 |
| Commercial, Financial and Agricultural [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 1,446,000 | 1,641,000 | 1,506,000 | 2,191,000 |
| Provision for Credit Losses | (59,000) | (136,000) | (67,000) | 267,000 |
| Charge-Offs | (76,000) | (2,000) | (294,000) | (1,179,000) |
| Recoveries | 28,000 | 58,000 | 194,000 | 282,000 |
| Net (Charge-Offs) Recoveries | (48,000) | 56,000 | (100,000) | (897,000) |
| Ending Balance | 1,339,000 | 1,561,000 | 1,339,000 | 1,561,000 |
| Real Estate - Construction [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 2,848,000 | 3,138,000 | 2,654,000 | 3,302,000 |
| Provision for Credit Losses | (536,000) | (22,000) | (344,000) | (194,000) |
| Charge-Offs | 0 | 0 | 0 | 0 |
| Recoveries | 0 | 2,000 | 2,000 | 10,000 |
| Net (Charge-Offs) Recoveries | 0 | 2,000 | 2,000 | 10,000 |
| Ending Balance | 2,312,000 | 3,118,000 | 2,312,000 | 3,118,000 |
| Real Estate - Commercial Mortgage [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 5,453,000 | 5,052,000 | 4,815,000 | 5,810,000 |
| Provision for Credit Losses | 84,000 | (120,000) | 823,000 | (697,000) |
| Charge-Offs | 0 | (1,000) | (120,000) | (267,000) |
| Recoveries | 17,000 | 8,000 | 36,000 | 93,000 |
| Net (Charge-Offs) Recoveries | 17,000 | 7,000 | (84,000) | (174,000) |
| Ending Balance | 5,554,000 | 4,939,000 | 5,554,000 | 4,939,000 |
| Real Estate - Residential [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 13,388,000 | 5,827,000 | 10,741,000 | 4,129,000 |
| Provision for Credit Losses | 1,356,000 | 1,388,000 | 3,814,000 | 2,944,000 |
| Charge-Offs | 0 | 0 | 0 | 0 |
| Recoveries | 30,000 | 44,000 | 219,000 | 186,000 |
| Net (Charge-Offs) Recoveries | 30,000 | 44,000 | 219,000 | 186,000 |
| Ending Balance | 14,774,000 | 7,259,000 | 14,774,000 | 7,259,000 |
| Real Estate - Home Equity [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 1,783,000 | 1,760,000 | 1,864,000 | 2,296,000 |
| Provision for Credit Losses | (71,000) | 127,000 | (269,000) | (501,000) |
| Charge-Offs | 0 | 0 | (39,000) | (33,000) |
| Recoveries | 53,000 | 22,000 | 209,000 | 147,000 |
| Net (Charge-Offs) Recoveries | 53,000 | 22,000 | 170,000 | 114,000 |
| Ending Balance | 1,765,000 | 1,909,000 | 1,765,000 | 1,909,000 |
| Consumer [Member] | ||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | ||||
| Beginning Balance | 3,325,000 | 4,045,000 | 3,488,000 | 3,878,000 |
| Provision for Credit Losses | 1,219,000 | 749,000 | 3,218,000 | 1,940,000 |
| Charge-Offs | (1,999,000) | (1,759,000) | (6,252,000) | (4,354,000) |
| Recoveries | 794,000 | 926,000 | 2,885,000 | 2,497,000 |
| Net (Charge-Offs) Recoveries | (1,205,000) | (833,000) | (3,367,000) | (1,857,000) |
| Ending Balance | $ 3,339,000 | $ 3,961,000 | $ 3,339,000 | $ 3,961,000 |