| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First National Bank of Central TexasWaco | TX | $1.77B | $1.55B | +13.5% | +13.1% | 2.55% | 43.6% | 4.47% | 11.07% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, First National Bank of Central Texas.