CITIZENS STATE BANK NORWOOD YOUNG AMERICA

NORWOOD YOUNG AMERICA, MN | Small | Est. June 5, 1914, midnight | FDIC #1933 | RSSD #875655 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK NORWOOD YOUNG AMERICA is asn small FDIC-insured commercial bank headquartered in NORWOOD YOUNG AMERICA, MN, established in June 5, 1914, midnight. As of 2025-12-31, the bank reported total assets of $145M and total deposits of $130M. Profitability stands at 1.51% ROA and 15.28% ROE, with a net interest margin of 4.31%. The bank's CET1 capital ratio is 15.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.55% and a Texas Ratio of 16.64%. FDIC Certificate #1933.

Assets

$145M

Deposits

$130M

Loans

$71M

Equity

$14M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 15.28%
Net Interest Margin (NIM) 4.31%
Yield on Assets 5.64%
Cost of Funds 1.37%

Asset Quality

NPL Ratio 3.55%
Net Charge-Off Ratio -0.08%
Texas Ratio 16.64%
NPA Ratio 1.75%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 15.43%
Tier 1 Capital 15.43%
Total Capital Ratio 16.68%
Leverage Ratio 8.02%
Loan-to-Deposit 55.06%

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