| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First Citizens BankMason City | IA | $1.80B | $1.58B | -3.0% | -3.0% | 2.09% | 46.2% | 3.54% | 12.27% |
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.