Time deposits that met or exceeded the FDIC insurance limit of $250 totaled $480,526 and $335,565 as of December 31, 2025 and 2024.

At December 31, 2025 and 2024, Insured Cash Sweep (“ICS”) reciprocal demand deposits of $571,989 and $469,551 were included in the Company’s interest bearing deposits. Also included in savings and money market deposits are $100,226 and $100,596 of ICS reciprocal money market deposits. ICS allows Equity Bank to break large deposits into smaller amounts and place them in a network of other ICS banks to ensure FDIC coverage on the entire deposit.

At December 31, 2025 and 2024, Certificate of Deposit Account Registry Services (“CDARS”) deposits of $51,691 and $35,393 were included in the Company’s time deposit balance. Of the CDARS deposits at December 31, 2025 and 2024, $51,691 and $35,393 were reciprocal customer funds placed in the CDARS program. CDARS allows Equity Bank to break large deposits into smaller amounts and place them in a network of other CDARS banks to ensure that FDIC insurance coverage is gained on the entire deposit. Reciprocal deposits are not considered brokered deposits as long as the aggregate balance is less than the lesser of 20% of total liabilities or $5 billion and Equity Bank is well capitalized and well rated. All non-reciprocal deposits and reciprocal deposits in excess of regulatory limits are considered brokered deposits.


	December 31, 2025		December 31, 2024
Interest bearing demand
Reciprocal	$	571,989	$	469,551
Non-reciprocal brokered		—		75,115
Total interest-bearing demand		571,989		544,666
Savings and money market
Reciprocal		100,226		100,596
Non-reciprocal brokered		1,605		—
Total saving and money market		101,831		100,596
Time
Reciprocal		51,691		35,393
Non-reciprocal brokered		70,170		49,998
Total time		121,861		85,391
Total reciprocal and brokered deposits	$	795,681	$	730,653

At December 31, 2025, the scheduled maturities of time deposits are as follows.


Due in one year or less	$	870,143
Due after one year through two years		74,049
Due after two years through three years		14,347
Due after three years through four years		23,223
Due after four years through five years		2,756
Thereafter		350
Total	$	984,868