| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens National Bank of CheboyganCheboygan | MI | $471.0M | $435.8M | -1.3% | +9.1% | 0.73% | 78.6% | 4.03% | 8.44% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens National Bank of Cheboygan.