| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Citizens State Bank Norwood Young AmericaNorwood Young America | MN | $141.3M | $126.6M | +2.3% | +0.5% | 1.76% | 53.6% | 4.27% | 7.89% |
| Farmers and Merchants State Bank of SpringfieldSpringfield | MN | $139.8M | $120.7M | +6.3% | -5.4% | 1.34% | 61.6% | 4.12% | 8.77% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Citizens State Bank Norwood Young America.