| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens Bank & TrustGuntersville | AL | $1.20B | $1.10B | +10.9% | +2.3% | 0.60% | 78.1% | 2.76% | 8.74% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens Bank & Trust.