| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Horizon Financial BankMunich | ND | $201.0M | $178.5M | +1.8% | +1.9% | 0.97% | 65.0% | 3.93% | 10.87% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Horizon Financial Bank.