Deposits

9 Months Ended

Sep. 30, 2025

Depositor account balances as of September 30, 2025 and December 31, 2024 are summarized as follows:


	September 30, 2025		December 31, 2024
Negotiable order of withdrawal (NOW)	$	239,776	$	242,575
Savings accounts		103,033		110,288
Money market		125,380		131,988
		468,189		484,851
Certificates of deposit		260,285		209,856
Wholesale and brokered certificates of deposit		111,425		106,035
	$	839,899	$	800,742

The weighted average interest rate on depositor accounts as of September 30, 2025 and December 31, 2024 was 1.88% and 1.63%, respectively.

Included in deposits are certificates of deposit in amounts greater than $250,000 totaling $58.3 million of account balance and approximately $2.2 million in annual interest expenses at September 30, 2025 and $43.2 million of account balance and approximately $1.6 million in annual interest expense at December 31, 2024. The scheduled maturities of all certificates of deposit at September 30, 2025 were as follows:


2025	$	83,429
2026		157,339
2027		97,921
2028		8,433
2029		10,067
2030		10,021
2031		4,500
Total	$	371,710