A summary of deposits at December 31, 2020 and 2019 is as follows (in thousands):


	2020		2019
Non-interest-bearing demand deposits	$	620,423	$	468,238
Interest-bearing demand deposits	282,172		200,089
Insured money market accounts	603,583		530,242
Savings deposits	245,865		212,393
Time deposits	285,731		161,176
Total	$	2,037,774	$	1,572,138

Scheduled maturities of time deposits at December 31, 2020, are summarized as follows (in thousands):


Year	Maturities
2021	$	193,113
2022	75,890
2023	12,784
2024	—
2025	1,084
2026	2,860
Total	$	285,731

Time deposits that meet or exceed the FDIC Insurance limit of $250 thousand at December 31, 2020 and 2019 were $31.2 million and $27.7 million, respectively.