The following table presents the composition of LCNB's deposits at June 30, 2023 and December 31, 2022 (in thousands):


	June 30, 2023		December 31, 2022
Demand deposits	$	480,288	505,824
Interest-bearing demand and money fund deposits	505,078		510,324
Savings deposits	390,324		432,322
IRA and time certificates	221,019		156,500
Total	$	1,596,709	1,604,970

Contractual maturities of time deposits at June 30, 2023 were as follows (in thousands):


July 1, 2023 - June 30, 2024	$	86,215
July 1, 2024 - June 30, 2025	117,708
July 1, 2025 - June 30, 2026	6,316
July 1, 2026 - June 30, 2027	7,165
July 1, 2027 - June 30, 2028	2,607
Thereafter	1,008
	$	221,019

The aggregate amount of time deposits in denominations of $250,000 or more at June 30, 2023 and December 31, 2022 was $32.7 million and $16.1 million, respectively.