| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The Citizens BankMorehead | KY | $228.6M | $181.9M | -0.7% | +5.8% | 2.15% | 59.3% | 4.84% | 8.78% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, The Citizens Bank.