Deposits declined $131 million , or 0.8% , linked quarter, which management attributed in part to a decline in public fund deposits. On a year-over-year basis, deposits increased $392 million , or 2.6% , driven by growth in commercial and personal balances of $568 million . The cost of total deposits in the fourth quarter was 1.72% , down 12 basis points from the prior quarter, which management highlighted as evidence of a “strong, cost-effective core deposit base.”Loans held for investment increased $126 m ...