| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Bay State Savings BankWorcester | MA | $580.3M | $513.7M | +3.9% | +10.3% | 0.51% | 81.6% | 3.38% | 8.68% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Bay State Savings Bank.