| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Stearns Bank National AssociationSaint Cloud | MN | $3.27B | $2.39B | -15.6% | -9.1% | 2.09% | 52.8% | 6.04% | 14.99% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Stearns Bank National Association.