| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The Waterford Commercial and Savings BankWaterford | OH | $60.0M | $52.1M | -0.3% | +10.4% | 0.80% | 78.8% | 4.57% | 13.32% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, The Waterford Commercial and Savings Bank.