LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($) |
3 Months Ended | 9 Months Ended | 12 Months Ended | ||
|---|---|---|---|---|---|
Sep. 30, 2024 |
Sep. 30, 2023 |
Sep. 30, 2024 |
Sep. 30, 2023 |
Dec. 31, 2023 |
|
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | $ 29,219,000 | $ 28,243,000 | $ 29,941,000 | $ 25,068,000 | $ 25,068,000 |
| Provision for Credit Losses | 1,879,000 | 1,993,000 | 3,890,000 | 7,175,000 | |
| Charge-Offs | (2,283,000) | (2,075,000) | (6,878,000) | (6,705,000) | |
| Recoveries | 1,021,000 | 922,000 | 2,883,000 | 3,545,000 | |
| Net (Charge-Offs) Recoveries | (1,262,000) | (1,153,000) | (3,995,000) | (3,160,000) | |
| Ending Balance | 29,836,000 | 29,083,000 | 29,836,000 | 29,083,000 | 29,941,000 |
| Commercial, Financial and Agricultural [Member] | |||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | 1,575,000 | 1,446,000 | 1,482,000 | 1,506,000 | 1,506,000 |
| Provision for Credit Losses | 134,000 | (59,000) | 809,000 | (67,000) | |
| Charge-Offs | (331,000) | (76,000) | (1,013,000) | (294,000) | (511,000) |
| Recoveries | 176,000 | 28,000 | 276,000 | 194,000 | |
| Net (Charge-Offs) Recoveries | (155,000) | (48,000) | (737,000) | (100,000) | |
| Ending Balance | 1,554,000 | 1,339,000 | 1,554,000 | 1,339,000 | 1,482,000 |
| Real Estate - Construction [Member] | |||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | 1,751,000 | 2,848,000 | 2,502,000 | 2,654,000 | 2,654,000 |
| Provision for Credit Losses | 442,000 | (536,000) | (309,000) | (344,000) | |
| Charge-Offs | 0 | 0 | 0 | 0 | |
| Recoveries | 0 | 0 | 0 | 2,000 | |
| Net (Charge-Offs) Recoveries | 0 | 0 | 0 | 2,000 | |
| Ending Balance | 2,193,000 | 2,312,000 | 2,193,000 | 2,312,000 | 2,502,000 |
| Real Estate - Commercial Mortgage [Member] | |||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | 6,076,000 | 5,453,000 | 5,782,000 | 4,815,000 | 4,815,000 |
| Provision for Credit Losses | 547,000 | 84,000 | 618,000 | 823,000 | |
| Charge-Offs | (3,000) | 0 | (3,000) | (120,000) | (120,000) |
| Recoveries | 5,000 | 17,000 | 228,000 | 36,000 | |
| Net (Charge-Offs) Recoveries | 2,000 | 17,000 | 225,000 | (84,000) | |
| Ending Balance | 6,625,000 | 5,554,000 | 6,625,000 | 5,554,000 | 5,782,000 |
| Real Estate - Residential [Member] | |||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | 14,788,000 | 13,388,000 | 15,056,000 | 10,741,000 | 10,741,000 |
| Provision for Credit Losses | (240,000) | 1,356,000 | (551,000) | 3,814,000 | |
| Charge-Offs | 0 | 0 | (17,000) | 0 | (79,000) |
| Recoveries | 88,000 | 30,000 | 148,000 | 219,000 | |
| Net (Charge-Offs) Recoveries | 88,000 | 30,000 | 131,000 | 219,000 | |
| Ending Balance | 14,636,000 | 14,774,000 | 14,636,000 | 14,774,000 | 15,056,000 |
| Real Estate - Home Equity [Member] | |||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | 1,865,000 | 1,783,000 | 1,818,000 | 1,864,000 | 1,864,000 |
| Provision for Credit Losses | (49,000) | (71,000) | 13,000 | (269,000) | |
| Charge-Offs | (23,000) | 0 | (99,000) | (39,000) | (39,000) |
| Recoveries | 59,000 | 53,000 | 120,000 | 209,000 | |
| Net (Charge-Offs) Recoveries | 36,000 | 53,000 | 21,000 | 170,000 | |
| Ending Balance | 1,852,000 | 1,765,000 | 1,852,000 | 1,765,000 | 1,818,000 |
| Consumer [Member] | |||||
| Financing Receivable, Allowance for Credit Loss [Roll Forward] | |||||
| Beginning Balance | 3,164,000 | 3,325,000 | 3,301,000 | 3,488,000 | 3,488,000 |
| Provision for Credit Losses | 1,045,000 | 1,219,000 | 3,310,000 | 3,218,000 | |
| Charge-Offs | (1,926,000) | (1,999,000) | (5,746,000) | (6,252,000) | (8,543,000) |
| Recoveries | 693,000 | 794,000 | 2,111,000 | 2,885,000 | |
| Net (Charge-Offs) Recoveries | (1,233,000) | (1,205,000) | (3,635,000) | (3,367,000) | |
| Ending Balance | $ 2,976,000 | $ 3,339,000 | $ 2,976,000 | $ 3,339,000 | $ 3,301,000 |