| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First Bank, Upper MichiganGladstone | MI | $629.5M | $528.3M | +2.0% | +2.9% | 2.03% | 58.6% | 4.39% | 12.57% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, First Bank, Upper Michigan.