| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Waterfall BankClearwater | FL | $409.9M | $330.3M | +8.0% | +31.1% | -0.03% | 95.6% | 3.38% | 12.90% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Waterfall Bank.