| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Heritage Bank National AssociationSpicer | MN | $361.1M | $286.3M | -19.9% | -13.0% | -0.02% | 106.2% | 3.78% | 10.90% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Heritage Bank National Association.