| Deposits |
7. Deposits As of June 30, 2026 and December 31, 2025, deposits were categorized as interest-bearing or noninterest-bearing as follows: | | | | | | | (dollars in thousands) | | June 30, 2026 | | December 31, 2025 | U.S.: | | | | | | | Interest-bearing | | $ | 12,186,302 | | $ | 12,502,417 | Noninterest-bearing | | | 5,642,865 | | | 5,794,973 | Foreign: | | | | | | | Interest-bearing | | | 1,520,090 | | | 1,465,959 | Noninterest-bearing | | | 804,924 | | | 752,319 | Total deposits | | $ | 20,154,181 | | $ | 20,515,668 |
The following table presents the maturity distribution of time certificates of deposit as of June 30, 2026: | | | | | | | | | | | | Under | | $250,000 | | | | (dollars in thousands) | | $250,000 | | or More | | Total | Three months or less | | $ | 841,935 | | $ | 663,333 | | $ | 1,505,268 | Over three through six months | | | 675,242 | | | 441,842 | | | 1,117,084 | Over six through twelve months | | | 351,639 | | | 252,414 | | | 604,053 | One to two years | | | 19,098 | | | 4,355 | | | 23,453 | Two to three years | | | 14,561 | | | 1,195 | | | 15,756 | Three to four years | | | 7,465 | | | 6,378 | | | 13,843 | Four to five years | | | 8,469 | | | 541 | | | 9,010 | Thereafter | | | 172 | | | 1,025 | | | 1,197 | Total | | $ | 1,918,581 | | $ | 1,371,083 | | $ | 3,289,664 |
Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $1.4 billion and $1.5 billion as of June 30, 2026 and December 31, 2025, respectively. Overdrawn deposit accounts are classified as loans and totaled $2.8 million and $3.2 million as of June 30, 2026 and December 31, 2025, respectively.
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