DEPOSITS

12 Months Ended

Dec. 31, 2025

A summary of deposits as of December 31, 2025 and 2024 is as follows (in thousands):


	2025		2024
Non interest-bearing demand deposits	$	624,532	$	625,762
Interest-bearing demand deposits	326,645		306,536
Insured money market deposits	601,391		595,123
Savings deposits	254,490		245,550
Certificates of deposits $250,000 or less	339,320		401,563
Certificates of deposits greater than $250,000	98,714		101,125
Brokered deposits (1)	—		92,159
Other time deposits (2)	25,582		29,065
Total	$	2,270,674	$	2,396,883

(1) Brokered deposits which are individually $250,000 and under.

(2) Includes Individual Retirement Accounts and Christmas Club Accounts.

Total customer deposits include reciprocal balances from checking, insured money market deposits, and CDs received from participating banks in nationwide deposit networks as a result of our customers electing to participate in Corporate offered ICS/CDARS programs allowing enhanced FDIC insurance protection. In general, the equivalent of the customers' original deposited funds comes back to the Corporation and are carried within the time deposits category. The Bank may also utilize one way brokered deposits as a component of its wholesale funding strategy, allowing for additional liquidity without increasing concentration risk.

Scheduled maturities of time deposits as of December 31, 2025, are summarized as follows (in thousands):


Year	Maturities
2026	$	445,122
2027	12,899
2028	4,497
2029	386
2030	694
2031 and thereafter	18
Total	$	463,616

Time deposits that meet or exceed the FDIC Insurance limit of $250 thousand as of December 31, 2025 and 2024 were $102.1 million and $107.6 million, respectively.