| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| F & M Bank and Trust CompanyManchester | GA | $87.4M | $77.2M | +2.0% | +5.9% | 0.88% | 82.7% | 5.65% | 10.32% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, F & M Bank and Trust Company.