| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Heritage Bank MinnesotaWest Concord | MN | $120.9M | $109.8M | +7.6% | +12.5% | 0.85% | 74.4% | 3.85% | 7.54% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Heritage Bank Minnesota.