Deposits at December 31, 2025 and 2024 are summarized as follows:


	December 31,
	2025		2024
	(in thousands)
Demand (1)	$	208,250	$	169,178
Interest-bearing deposits:
NOW/IOLA accounts		84,012		62,616
Money market accounts		779,532		636,219
Reciprocal deposits		152,630		130,677
Savings accounts (1)		117,708		116,219
Total NOW, money market, reciprocal and savings		1,133,882		945,731
Certificates of deposit of $250K or more		202,500		204,293
Brokered certificates of deposits (2)		67,942		94,531
Listing service deposits (2)		4,150		7,376
Certificates of deposit less than $250K		429,911		474,104
Total certificates of deposit		704,503		780,304
Total interest-bearing deposits		1,838,385		1,726,035
Total deposits	$	2,046,635	$	1,895,213

(1)

As of December 31, 2025 and 2024, Advance payments by borrowers for taxes and insurance in the amounts of $11.5 million and $10.3 million, respectively, are included in deposits.

(2)

As of December 31, 2025 and 2024, there were no individual listing service deposits amounting to $250,000 or more. At December 31, 2025, there were no brokered certificates of deposit amounting to $250,000 or more. At December 31, 2024, there was one brokered certificates of deposit in the amount of $1.5 million amounting to $250,000 or more. All other brokered certificates of deposit individually amounted to less than $250,000.

Uninsured deposits represented $454.5 million, or 22.0.%, and $435.9, or 22.8%, of total deposits as of December 31, 2025 and 2024, respectively.

At December 31, 2025, scheduled maturities of certificates of deposit were as follows:


December 31,
	(in thousands)
2026	$	594,371
2027		95,342
2028		9,093
2029		2,510
2030		3,187
	$	704,503