| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Western National BankDuluth | MN | $135.8M | $108.8M | +5.0% | +18.2% | 0.14% | 92.9% | 4.02% | 8.47% |
| Western National BankCass Lake | MN | $37.1M | $33.0M | +12.3% | +23.9% | 1.32% | 78.4% | 5.52% | 9.44% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Western National Bank.