| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Southern Michigan Bank & TrustColdwater | MI | $1.68B | $1.40B | +7.1% | +7.0% | 0.85% | 69.3% | 3.48% | 9.07% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Southern Michigan Bank & Trust.