v3.26.1
Deposits
6 Months Ended
Jun. 30, 2026
Deposits.  
Deposits

5.    Deposits

Deposits balances are summarized as follows:

June 30, 

December 31,

  ​ ​ ​

2026

  ​ ​ ​

2025

Non-interest bearing demand deposits

$

242,774

$

227,272

Interest bearing accounts:

 

  ​

 

  ​

Subscription Deposits

156,012

NOW(1)

 

131,312

 

123,576

Savings

 

132,765

 

127,219

Money market

 

235,508

 

242,333

Time certificates of deposit

 

384,601

 

376,940

Total interest bearing accounts

 

1,040,198

 

870,068

Total deposits

$

1,282,972

$

1,097,340

(1)Negotiable order of withdrawal

The Company participates in a reciprocal deposit program with other financial institutions that provides access to Federal Deposit Insurance Corporation (the “FDIC”) insurance for deposit products with aggregate amounts exceeding the current limits for depositors. At June 30, 2026 and December 31, 2025, total reciprocal deposits were $37,571 and $35,638, respectively. Included in time certificates of deposit at June 30, 2026 and December 31, 2025 were reciprocal deposits totaling $23,278 and $21,854, respectively, with original maturities of one to three years. Reciprocal deposits included in money market accounts totaled $14,293 and $13,784 at June 30, 2026 and December 31, 2025, respectively.

The Company had no brokered deposits at either June 30, 2026 or December 31, 2025. Time certificates of deposit in denominations of $250 or greater were $106,414 and $99,659 as of June 30, 2026 and December 31, 2025, respectively.

Contractual maturities of time certificates of deposit at June 30, 2026 are summarized below:

June 30, 

  ​ ​ ​

2026

Within 1 year

$

342,693

1 – 2 years

 

39,104

2 – 3 years

 

1,585

3 – 4 years

 

954

4 – 5 years

 

265

Total

$

384,601