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DEPOSITS
 9 Months Ended
Sep. 30, 2022
Deposits, by Type [Abstract]  
Deposits DEPOSITS
Deposits consist of the following:
September 30, 2022December 31, 2021
(dollars in thousands)Balance%Balance%
Noninterest-bearing demand$647,432 30.45 %$445,778 21.68 %
Interest-bearing:
Demand691,987 32.54 %790,481 38.45 %
Money market deposits371,175 17.45 %372,717 18.13 %
Savings123,564 5.81 %119,767 5.82 %
Certificates of deposit292,399 13.75 %327,421 15.92 %
Total interest-bearing1,479,125 69.55 %1,610,386 78.32 %
Total Deposits$2,126,557 100.00 %$2,056,164 100.00 %
The aggregate amount of certificates of deposit that exceed the FDIC insurance limit of $250,000 at September 30, 2022 and December 31, 2021 was $55.1 million and $57.6 million, respectively.
The Company monitors all customer deposit concentrations at or above 2% of total deposits. At September 30, 2022, the Bank had two customer deposit relationships that exceeded 2% of total deposits, totaling $427.7 million which represented 20.1% 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.