| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Arrow Bank National AssociationGlens Falls | NY | $4.46B | $3.68B | -6.5% | +2.1% | 1.11% | 60.5% | 3.45% | 9.19% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Arrow Bank National Association.