| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Lake Shore BankDunkirk | NY | $735.9M | $599.1M | -5.0% | +1.1% | 1.13% | 65.7% | 4.00% | 17.54% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Lake Shore Bank.