| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The First National Bank of BemidjiBemidji | MN | $1.08B | $844.4M | +1.9% | +27.6% | 1.42% | 52.2% | 2.78% | 11.20% |
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 Bemidji.