| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens State BankRoyal Oak | MI | $581.0M | $530.5M | +41.5% | +55.1% | 1.83% | 42.1% | 4.86% | 8.46% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens State Bank.