| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Community Spirit BankRed Bay | AL | $228.8M | $205.7M | +6.3% | +7.2% | 1.39% | 66.7% | 4.75% | 9.83% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Community Spirit Bank.