| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| The Merchants & Citizens BankMcrae | GA | $146.0M | $128.7M | -2.8% | +5.0% | 0.77% | 76.1% | 3.46% | 12.99% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, The Merchants & Citizens Bank.