| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The Adirondack Trust CompanySaratoga Springs | NY | $1.70B | $1.47B | +6.9% | +2.1% | 0.95% | 73.0% | 3.07% | 10.49% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, The Adirondack Trust Company.