| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Tioga State Bank National AssociationSpencer | NY | $625.2M | $538.1M | +6.9% | +5.8% | 1.31% | 66.6% | 4.32% | 11.66% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Tioga State Bank National Association.