| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Chemung Canal Trust Company, National AssociationElmira | NY | $2.82B | $2.37B | -4.4% | +11.0% | 1.40% | 58.1% | 3.84% | 11.30% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Chemung Canal Trust Company, National Association.