| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Pathfinder BankOswego | NY | $1.49B | $1.18B | -3.9% | -3.3% | 0.94% | 66.1% | 3.38% | 9.34% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Pathfinder Bank.