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Citizens State Bank Norwood Young America

Norwood Young America, MN · Cert 1933 · Piesco Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens State Bank Norwood Young America

Norwood Young America, MN · Cert 1933 · Piesco Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$141.3MAssets
$71.1MLoans
$126.6MDeposits
$14.1MEquity
Loan mix
66%RE $37.4M31%C&I $17.4M3%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $95.4M25%Noninterest $31.2MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.92%Q2 ’255.21%Q2 ’26+16%+13%

Non-interest income vs. expense

2.15%Q2 ’242.26%Q2 ’252.30%Q2 ’26+7%+5%

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #82 of 125 inst. · $0.1B of $253.2B

Executive Summary

  • Earnings: ROA of 1.52%, up 33 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 3.42% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.10%, up 28 bps from a year ago.
  • Funding: loans stand at 56.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+47 bps YoY

Efficiency Ratio (YTD, annualized)

53.62%-460 bps YoY

Tier 1 Leverage Ratio

8.10%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.27%1.32%1.46%1.52%+33 bps
Return on Equity12.50%13.27%13.73%14.83%15.34%+284 bps
Net Interest Margin3.67%3.65%3.72%3.97%4.15%+47 bps
Efficiency Ratio58.21%56.07%55.45%52.76%53.62%-460 bps
Non-Interest Burden1.97%1.87%1.90%1.92%2.06%+9 bps
Growth
Asset Growth (YoY)1.83%1.97%8.46%2.26%2.64%+81 bps
Loan Growth (YoY)11.26%7.57%5.29%5.58%0.63%-1,063 bps
Deposit Growth (YoY)6.07%6.54%8.07%1.66%2.27%-380 bps
Asset Quality
Nonperforming Loans / Loans3.53%3.48%3.55%3.29%3.42%-12 bps
Net Charge-Offs / Loans-0.16%-0.11%-0.08%0.00%0.00%+16 bps
Allowance / Loans1.29%1.35%1.36%1.36%1.40%+11 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio7.82%7.89%8.02%7.95%8.10%+28 bps
Total Risk-Based Capital15.44%16.54%16.68%16.38%16.55%+110 bps
Equity / Assets9.60%9.87%9.86%9.86%9.95%+35 bps
Liquidity & Funding
Loans / Deposits57.10%55.76%55.06%56.63%56.18%-91 bps
Liquid Assets / Assets20.29%20.40%22.47%21.56%19.78%-51 bps
CRE / Total Capitaln/a79.43%73.62%75.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens State Bank Norwood Young America

Norwood Young America, MN · Cert 1933 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Piesco Inc.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$141.3MAssets
$71.1MLoans
$126.6MDeposits
$14.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 51 of 53).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.53%

Rank 10 of 53

Net Interest Margin

4.15%

Rank 12 of 53

Efficiency Ratio

53.62%

Rank 11 of 53

Equity / Assets

9.95%

Rank 19 of 53

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 81% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 53.62%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.73%1.11%1.30%Beats 81%10 / 53
Return on Equity15.38%7.88%12.20%14.12%Beats 83%9 / 53
Net Interest Margin4.15%3.39%3.77%4.09%Beats 77%12 / 53
Efficiency Ratio53.62%56.05%65.05%71.57%Beats 81%11 / 53
Asset Quality
Nonperforming Loans / Loans3.42%0.14%0.52%1.20%Beats 6%51 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 100%13 / 53
Capital
Tier 1 Capital Ratio15.30%10.73%12.98%15.08%Beats 75%13 / 53
Total Risk-Based Capital Ratio16.55%11.49%13.79%16.34%Beats 75%13 / 53
Equity / Assets9.95%8.08%9.25%10.72%Beats 64%19 / 53
Liquidity & Funding
Loans / Deposits56.18%72.13%82.29%93.80%11th pctl47 / 53
Loans / Assets50.33%63.64%71.80%79.37%11th pctl47 / 53
Brokered Deposits / Depositsn/aNot reported for this institution