| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| BaybankGladstone | MI | $173.4M | $145.8M | +0.4% | +7.1% | 1.23% | 65.9% | 4.81% | 10.75% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Baybank.