| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Spectra BankFort Worth | TX | $126.7M | $110.8M | +16.7% | +36.3% | 0.20% | 88.4% | 3.92% | 8.25% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Spectra Bank.