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DEPOSITS
 3 Months Ended
Mar. 31, 2022
Deposits, by Type [Abstract]  
Deposits DEPOSITS
Deposits consist of the following:
(dollars in thousands)March 31, 2022December 31, 2021
Balance%Balance%
Noninterest-bearing demand$644,385 30.75 %$445,778 21.68 %
Interest-bearing:
Demand618,869 29.54 %790,481 38.45 %
Money market deposits387,700 18.51 %372,717 18.13 %
Savings124,038 5.92 %119,767 5.82 %
Certificates of deposit320,091 15.28 %327,421 15.92 %
Total interest-bearing1,450,698 69.25 %1,610,386 78.32 %
Total Deposits$2,095,083 100.00 %$2,056,164 100.00 %
The aggregate amount of certificates of deposit that exceed the FDIC insurance limit of $250,000 at March 31, 2022 and December 31, 2021 was $56.6 million and $57.6 million, respectively.
The Company monitors all customer deposit concentrations at or above 2% of total deposits. At March 31, 2022, the Bank had two customer deposit relationships that exceeded 2% of total deposits, totaling $308.7 million which represented 14.7% of total deposits. At December 31, 2021, the Bank had two customer deposit relationships that exceeded 2% of total deposits, totaling $335.6 million which represented 16.3% of total deposits. These concentrations were with local municipal agencies.