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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

5.00%Q2 ’245.27%Q2 ’255.35%Q2 ’26+18%+7%

Non-interest income vs. expense

2.24%Q2 ’242.48%Q2 ’252.41%Q2 ’26+12%+0%

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 1.58%, up 26 bps year over year; NIM at 4.30%.
  • 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 (quarter, annualized)

1.58%+26 bps YoY

Net Interest Margin (quarter, annualized)

4.30%+28 bps YoY

Efficiency Ratio (quarter, annualized)

54.42%-433 bps YoY

Tier 1 Leverage Ratio

8.10%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.44%1.47%1.46%1.58%+26 bps
Return on Equity14.03%14.83%14.91%14.83%15.94%+191 bps
Net Interest Margin4.02%3.81%4.08%3.97%4.30%+28 bps
Efficiency Ratio58.76%52.04%53.79%52.76%54.42%-433 bps
Non-Interest Burden2.18%1.80%2.02%1.92%2.19%0 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-0.31%0.00%0.00%0.00%0.00%+31 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