| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Ballston Spa National BankBallston Spa | NY | $1.37B | $1.20B | +68.6% | +41.9% | 0.09% | 98.1% | 3.64% | 9.16% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Ballston Spa National Bank.