| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Highlands BankPetersburg | WV | $407.1M | $356.8M | +9.8% | +6.5% | 1.27% | 64.2% | 4.40% | 10.73% |
| Capon Valley BankWardensville | WV | $244.2M | $218.4M | +4.3% | +11.9% | 1.16% | 68.0% | 4.97% | 9.65% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Highlands Bank.