| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The First National Bank and Trust Company of MiamiMiami | OK | $191.4M | $162.6M | -9.2% | +8.9% | 1.99% | 50.4% | 5.49% | 13.90% |
| Bank of BillingsBillings | MO | $105.0M | $91.2M | +12.2% | +7.3% | 1.03% | 71.4% | 5.29% | 9.65% |
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 and Trust Company of Miami.