| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens Bank of Kentucky, Inc.Paintsville | KY | $669.9M | $571.0M | -4.6% | +4.9% | 1.04% | 66.7% | 3.57% | 13.55% |
| Citizens State BankWisner | NE | $653.0M | $592.2M | +8.3% | +10.8% | 1.22% | 66.0% | 3.47% | 10.35% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens Bank of Kentucky, Inc..