| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Guardian BankValdosta | GA | $597.9M | $524.3M | +2.9% | +2.7% | 1.54% | 56.5% | 3.43% | 11.69% |
| South Coast Bank & TrustBrunswick | GA | $269.8M | $239.4M | +0.4% | +7.0% | 1.51% | 61.2% | 3.87% | 10.09% |
| Waycross Bank & TrustWaycross | GA | $242.2M | $217.3M | -5.0% | -9.0% | 1.30% | 63.1% | 3.28% | 12.41% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Guardian Bank.