Quarterly report [Sections 13 or 15(d)]

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

v3.26.1
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, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance $ 30,999,000 $ 29,734,000 $ 31,001,000 $ 29,251,000 $ 29,251,000
Provision for Credit Losses 904,000 718,000 1,539,000 1,801,000  
Charge-Offs (1,752,000) (1,498,000) (3,548,000) (3,109,000)  
Recoveries 856,000 908,000 2,015,000 1,919,000  
Net (Charge-Offs) Recoveries (896,000) (590,000) (1,533,000) (1,190,000)  
Ending Balance 31,007,000 29,862,000 31,007,000 29,862,000 31,001,000
Commercial, Financial and Agricultural [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,662,000 1,468,000 1,751,000 1,514,000 1,514,000
Provision for Credit Losses 678,000 (86,000) 815,000 (39,000)  
Charge-Offs (577,000) (74,000) (877,000) (242,000) (782,000)
Recoveries 65,000 117,000 139,000 192,000  
Net (Charge-Offs) Recoveries (512,000) 43,000 (738,000) (50,000)  
Ending Balance 1,828,000 1,425,000 1,828,000 1,425,000 1,751,000
Real Estate - Construction [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,383,000 2,233,000 1,681,000 2,384,000 2,384,000
Provision for Credit Losses (101,000) (422,000) (399,000) (573,000)  
Charge-Offs 0 0 0 0  
Recoveries 0 0 0 0  
Net (Charge-Offs) Recoveries 0 0 0 0  
Ending Balance 1,282,000 1,811,000 1,282,000 1,811,000 1,681,000
Real Estate - Commercial Mortgage [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 6,579,000 6,061,000 6,859,000 5,867,000 5,867,000
Provision for Credit Losses 954,000 189,000 590,000 380,000  
Charge-Offs 0 0 0 0 (4,000)
Recoveries 7,000 6,000 91,000 9,000  
Net (Charge-Offs) Recoveries 7,000 6,000 91,000 9,000  
Ending Balance 7,540,000 6,256,000 7,540,000 6,256,000 6,859,000
Real Estate - Residential [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 16,064,000 14,885,000 15,317,000 14,568,000 14,568,000
Provision for Credit Losses (1,176,000) 363,000 (506,000) 569,000  
Charge-Offs (38,000) (49,000) (38,000) (57,000) (136,000)
Recoveries 27,000 65,000 104,000 184,000  
Net (Charge-Offs) Recoveries (11,000) 16,000 66,000 127,000  
Ending Balance 14,877,000 15,264,000 14,877,000 15,264,000 15,317,000
Real Estate - Home Equity [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,373,000 2,029,000 2,368,000 1,952,000 1,952,000
Provision for Credit Losses 90,000 (33,000) 98,000 35,000  
Charge-Offs 0 (24,000) (13,000) (24,000) (44,000)
Recoveries 4,000 42,000 14,000 51,000  
Net (Charge-Offs) Recoveries 4,000 18,000 1,000 27,000  
Ending Balance 2,467,000 2,014,000 2,467,000 2,014,000 2,368,000
Consumer [Member]          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,938,000 3,058,000 3,025,000 2,966,000 2,966,000
Provision for Credit Losses 459,000 707,000 941,000 1,429,000  
Charge-Offs (1,137,000) (1,351,000) (2,620,000) (2,786,000) (5,954,000)
Recoveries 753,000 678,000 1,667,000 1,483,000  
Net (Charge-Offs) Recoveries (384,000) (673,000) (953,000) (1,303,000)  
Ending Balance $ 3,013,000 $ 3,092,000 $ 3,013,000 $ 3,092,000 $ 3,025,000