A summary of the balances of deposits follows:


(in thousands)	June 30, 2026		December 31, 2025
Noninterest-bearing demand	$	2,606,809	$	2,594,032
Interest-bearing demand	1,849,252		1,784,769
Savings	2,769,758		2,775,058
Time certificates, $250,000 or more	518,780		484,858
Other time certificates	624,231		625,184
Total deposits	$	8,368,830	$	8,263,901

Certificate of deposit balances totaling $100.0 million from the State of California were included in time certificates, $250,000 or more, at June 30, 2026 and December 31, 2025, respectively. The Company participates in a deposit program offered by the State of California whereby the State may make deposits at the Company’s request subject to collateral and credit worthiness constraints. The negotiated rates on these State deposits are generally more favorable than other wholesale funding sources available to the Company.

Overdrawn deposit balances of $2.5 million and $2.7 million were classified as consumer loans at June 30, 2026 and December 31, 2025, respectively.