

	At		At
	June 30,		December 31,
(In thousands)	2023		2022
Noninterest-bearing:
Demand (1)	$	404,012	$	520,226
Interest-bearing:
NOW		111,701		145,533
Regular savings		159,940		141,802
Money market deposits		530,964		318,417
Certificates of deposit:
Certificate accounts of $250,000 or more		20,869		11,449
Certificate accounts less than $250,000		220,600		142,155
Total interest-bearing (2)		1,044,074		759,356
Total deposits (3)	$	1,448,086	$	1,279,582

(1)Noninterest-bearing deposits included $37.8 million and $20.8 million in Banking as a Service (“BaaS”) and digital assets deposits, respectively, as of June 30, 2023. Noninterest-bearing deposits included $25.3 million and $55.2 million in BaaS and digital assets deposits, respectively, as of December 31, 2022.

(2)Interest-bearing deposits included $197.9 million and $4.4 million in BaaS and digital assets deposits, respectively, as of June 30, 2023. As of December 31, 2022, there were no interest-bearing BaaS deposits, and $22.2 million interest-bearing digital assets deposits.

(3)Of total deposits as of June 30, 2023 and December 31, 2022, the Federal Deposit Insurance Corporation (“FDIC”) insured approximately 53% and 55%, respectively, and the remaining 47% and 45%, respectively, were insured through the Depositors Insurance Fund (“DIF”). The DIF is a private, industry-sponsored insurance fund that insures all deposits above FDIC limits at member banks.