| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens & Northern BankWellsboro | PA | $3.14B | $2.61B | +22.7% | +22.1% | 0.96% | 57.9% | 4.10% | 9.80% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens & Northern Bank.