| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| First National Bank of HerefordHereford | TX | $344.6M | $294.4M | +2.9% | +13.4% | 2.20% | 53.5% | 4.98% | 12.46% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, First National Bank of Hereford.