| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Montecito Bank & TrustSanta Barbara | CA | $2.02B | $1.73B | -7.7% | +3.8% | 0.60% | 81.2% | 3.91% | 11.74% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Montecito Bank & Trust.