| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens Bank & Trust CompanySaint Paul | NE | $242.3M | $199.8M | +4.1% | +9.9% | 0.89% | 68.5% | 3.32% | 11.49% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens Bank & Trust Company.