| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First National Bank of ScotiaScotia | NY | $719.0M | $632.0M | +3.3% | +1.2% | 0.74% | 74.3% | 4.34% | 9.19% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, First National Bank of Scotia.