| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First Citizens BankLuverne | AL | $402.6M | $344.1M | +5.3% | +8.8% | 2.01% | 44.7% | 4.35% | 14.44% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, First Citizens Bank.