| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The First National Bank of OsakisOsakis | MN | $97.6M | $80.9M | +6.1% | +5.9% | 1.12% | 70.8% | 3.95% | 8.57% |
| Lowry State BankLowry | MN | $84.1M | $69.6M | +1.8% | -1.2% | 1.28% | 58.4% | 4.34% | 9.80% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, The First National Bank of Osakis.