| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Farmers and Merchants BankUpperco | MD | $874.5M | $725.7M | -3.3% | +3.4% | 0.97% | 63.0% | 3.46% | 9.77% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Farmers and Merchants Bank.