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

Unfavorable gap of $2.9M · efficiency ratio beats 81% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.53%	0.73%	1.11%	1.30%	Beats 81%	10 / 53
Return on Equity	15.38%	7.88%	12.20%	14.12%	Beats 83%	9 / 53
Net Interest Margin	4.15%	3.39%	3.77%	4.09%	Beats 77%	12 / 53
Efficiency Ratio	53.62%	56.05%	65.05%	71.57%	Beats 81%	11 / 53
Asset Quality
Nonperforming Loans / Loans	3.42%	0.14%	0.52%	1.20%	Beats 6%	51 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 100%	13 / 53
Capital
Tier 1 Capital Ratio	15.30%	10.73%	12.98%	15.08%	Beats 75%	13 / 53
Total Risk-Based Capital Ratio	16.55%	11.49%	13.79%	16.34%	Beats 75%	13 / 53
Equity / Assets	9.95%	8.08%	9.25%	10.72%	Beats 64%	19 / 53
Liquidity & Funding
Loans / Deposits	56.18%	72.13%	82.29%	93.80%	11th pctl	47 / 53
Loans / Assets	50.33%	63.64%	71.80%	79.37%	11th pctl	47 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution