| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| State Bank of Cold SpringCold Spring | MN | $81.7M | $73.8M | -2.8% | +12.6% | 1.60% | 62.0% | 3.97% | 9.88% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, State Bank of Cold Spring.