| DEPOSITS |
7. DEPOSITS Deposit accounts consisted of the following at the dates indicated (in thousands): | | | | | | | | | March 31, | | March 31, | Account Type | | 2026 | | 2025 | Non-interest-bearing | | $ | 293,458 | | $ | 315,503 | Interest-bearing checking | | | 316,449 | | | 285,035 | Money market | | | 242,169 | | | 236,044 | Savings accounts | | | 153,490 | | | 168,287 | Certificates of deposit | | | 248,619 | | | 227,459 | Total | | $ | 1,254,185 | | $ | 1,232,328 |
Individual certificates of deposit greater than $250,000 totaled $58.9 million and $58.0 million at March 31, 2026 and 2025, respectively. Scheduled maturities of certificates of deposit for future years ending March 31 are as follows (in thousands): | | | | Year Ending March 31, : | | | | 2027 | | $ | 244,972 | 2028 | | | 1,977 | 2029 | | | 941 | 2030 | | | 267 | 2031 | | | 213 | Thereafter | | | 249 | Total | | $ | 248,619 |
Interest expense by deposit type was as follows for the years indicated (in thousands): | | | | | | | | | | | | Year Ended March 31, | | | 2026 | | 2025 | | 2024 | Interest-bearing checking | | $ | 3,660 | | $ | 2,606 | | $ | 785 | Money market | | | 4,569 | | | 4,162 | | | 2,860 | Savings accounts | | | 220 | | | 170 | | | 132 | Certificates of deposit | | | 8,300 | | | 8,375 | | | 4,508 | Total | | $ | 16,749 | | $ | 15,313 | | $ | 8,285 |
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