| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens Bank and TrustFrostproof | FL | $1.48B | $1.40B | +5.1% | +5.6% | 1.43% | 65.6% | 3.25% | 8.31% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens Bank and Trust.