The following table summarizes Nelnet Bank’s deposits, excluding intercompany deposits:


	As of		As of
	June 30, 2026		December 31, 2025
Retail and other savings	$	1,435,278	1,337,873
Brokered CDs, net of brokered deposit fees	759,032		311,015
Retail and other CDs, net of issuance fees	24,939		20,285

Total interest-bearing deposits	$	2,219,249	1,669,173

As of June 30, 2026 and December 31, 2025, Nelnet Bank had intercompany deposits from Nelnet, Inc. and its subsidiaries totaling $285.8 million and $93.8 million, respectively, including a $40.0 million pledged deposit from Nelnet, Inc. as required under a Capital and Liquidity Maintenance Agreement with the FDIC. All intercompany deposits held at Nelnet Bank are eliminated for consolidated financial reporting purposes.

The following table presents the remaining maturities of certificates of deposit as of June 30, 2026:


One year or less	$	618,698
After one year to two years	8,842
After two years to three years	61,935
After three years to four years	20,588
After four years to five years	19,850
After five years	54,058
Total	$	783,971

Deposits that exceeded the FDIC insurance limits as of June 30, 2026 were $40.9 million, the majority of which were intercompany deposits from Nelnet, Inc. and its subsidiaries.