| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Oconee State BankWatkinsville | GA | $744.1M | $658.3M | +11.7% | +16.2% | 0.81% | 73.0% | 4.19% | 9.72% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Oconee State Bank.