Quarterly report [Sections 13 or 15(d)]

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in Allowance for Credit Losses) (Details)

v3.25.2
LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in Allowance for Credit Losses) (Details) - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance $ 29,734,000 $ 29,329,000 $ 29,251,000 $ 29,941,000 $ 29,941,000
Provision for Credit Losses 718,000 1,129,000 1,801,000 2,011,000  
Charge-Offs (1,498,000) (2,032,000) (3,109,000) (4,595,000)  
Recoveries 908,000 793,000 1,919,000 1,862,000  
Net (Charge-Offs) Recoveries (590,000) (1,239,000) (1,190,000) (2,733,000)  
Ending Balance 29,862,000 29,219,000 29,862,000 29,219,000 29,251,000
Commercial, Financial and Agricultural [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,468,000 1,525,000 1,514,000 1,482,000 1,482,000
Provision for Credit Losses (86,000) 391,000 (39,000) 675,000  
Charge-Offs (74,000) (400,000) (242,000) (682,000) (1,512,000)
Recoveries 117,000 59,000 192,000 100,000  
Net (Charge-Offs) Recoveries 43,000 (341,000) (50,000) (582,000)  
Ending Balance 1,425,000 1,575,000 1,425,000 1,575,000 1,514,000
Real Estate - Construction [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,233,000 1,869,000 2,384,000 2,502,000 2,502,000
Provision for Credit Losses (422,000) (118,000) (573,000) (751,000)  
Charge-Offs 0 0 0 0 (47,000)
Recoveries 0 0 0 0  
Net (Charge-Offs) Recoveries 0 0 0 0  
Ending Balance 1,811,000 1,751,000 1,811,000 1,751,000 2,384,000
Real Estate - Commercial Mortgage [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 6,061,000 5,947,000 5,867,000 5,782,000 5,782,000
Provision for Credit Losses 189,000 110,000 380,000 71,000  
Charge-Offs 0 0 0 0 (3,000)
Recoveries 6,000 19,000 9,000 223,000  
Net (Charge-Offs) Recoveries 6,000 19,000 9,000 223,000  
Ending Balance 6,256,000 6,076,000 6,256,000 6,076,000 5,867,000
Real Estate - Residential [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 14,885,000 14,828,000 14,568,000 15,056,000 15,056,000
Provision for Credit Losses 363,000 (63,000) 569,000 (311,000)  
Charge-Offs (49,000) 0 (57,000) (17,000) (61,000)
Recoveries 65,000 23,000 184,000 60,000  
Net (Charge-Offs) Recoveries 16,000 23,000 127,000 43,000  
Ending Balance 15,264,000 14,788,000 15,264,000 14,788,000 14,568,000
Real Estate - Home Equity [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,029,000 1,896,000 1,952,000 1,818,000 1,818,000
Provision for Credit Losses (33,000) (68,000) 35,000 62,000  
Charge-Offs (24,000) 0 (24,000) (76,000) (132,000)
Recoveries 42,000 37,000 51,000 61,000  
Net (Charge-Offs) Recoveries 18,000 37,000 27,000 (15,000)  
Ending Balance 2,014,000 1,865,000 2,014,000 1,865,000 1,952,000
Consumer [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 3,058,000 3,264,000 2,966,000 3,301,000 3,301,000
Provision for Credit Losses 707,000 877,000 1,429,000 2,265,000  
Charge-Offs (1,351,000) (1,632,000) (2,786,000) (3,820,000) (7,627,000)
Recoveries 678,000 655,000 1,483,000 1,418,000  
Net (Charge-Offs) Recoveries (673,000) (977,000) (1,303,000) (2,402,000)  
Ending Balance $ 3,092,000 $ 3,164,000 $ 3,092,000 $ 3,164,000 $ 2,966,000