CITIZENS STATE BANK NORWOOD YOUNG AMERICA
CITIZENS STATE BANK NORWOOD YOUNG AMERICA is an FDIC-insured commercial bank headquartered in NORWOOD YOUNG AMERICA, MN, established in 1914. As of , 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 4.25%. CET1 capital ratio: 15.43%, well above regulatory minimums. NPL ratio: 3.68% · Texas Ratio: 17.27%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Citizens State Bank Norwood Young America rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 15.43% | 1.51% | 3.68% | 17.27% | 4.25% |
| 2025-09-30 | 15.29% | 1.74% | 4.08% | 19.33% | 4.03% |
| 2025-06-30 | 14.19% | 1.52% | 3.81% | 19.06% | 4.24% |
| 2025-03-31 | 14.31% | 1.32% | 5.66% | 28.16% | 3.53% |
| 2024-12-31 | 14.78% | 1.26% | 5.22% | 26.01% | 3.60% |
| 2024-09-30 | 14.57% | 1.13% | 5.71% | 29.75% | 3.24% |
| 2024-06-30 | 14.49% | 1.08% | 3.36% | 19.27% | 3.51% |
| 2024-03-31 | 14.30% | 1.16% | 3.72% | 20.12% | 3.17% |
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Frequently asked about CITIZENS STATE BANK NORWOOD YOUNG AMERICA
What are Citizens State Bank Norwood Young America's total assets?
As of the Q4 2025 filing, Citizens State Bank Norwood Young America reported total assets of $144.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens State Bank Norwood Young America headquartered?
Citizens State Bank Norwood Young America is headquartered in NORWOOD YOUNG AMERICA, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens State Bank Norwood Young America founded?
Citizens State Bank Norwood Young America was established in 1914, per the FDIC institution directory.
Is Citizens State Bank Norwood Young America FDIC-insured?
Yes. Citizens State Bank Norwood Young America is an FDIC-insured commercial bank (FDIC Certificate #1933). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank Norwood Young America?
Citizens State Bank Norwood Young America's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens State Bank Norwood Young America's CET1 capital ratio?
Citizens State Bank Norwood Young America reported a Common Equity Tier 1 (CET1) capital ratio of 15.43% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens State Bank Norwood Young America operate?
Citizens State Bank Norwood Young America operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Citizens State Bank Norwood Young America's Texas Ratio?
Citizens State Bank Norwood Young America's Texas Ratio is 17.27% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.