| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First State BankSpearman | TX | $184.0M | $154.0M | -2.3% | -1.5% | 1.74% | 58.8% | 4.45% | 12.86% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, First State Bank.