| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| NBT Bank, National AssociationNorwich | NY | $16.09B | $13.68B | -0.6% | +2.1% | 1.21% | 57.5% | 3.79% | 9.20% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, NBT Bank, National Association.