| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Merchants State BankFreeman | SD | $219.6M | $180.7M | +4.0% | +4.8% | 1.90% | 48.6% | 4.43% | 17.70% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Merchants State Bank.