Citizens State Bank Norwood Young America
Also written as CSB Norwood Young America
BankRegReports is independent of Citizens State Bank Norwood Young America and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank Norwood Young America is an FDIC-insured commercial bank headquartered in Norwood Young America, MN, established in 1914 (FDIC certificate 1933), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $141.3M, up 2.6% from Q2 2025, the 137th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 15.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1933
- Headquarters
- Norwood Young America, MN
- Established
- 1914
- Total assets, Q2 2026
- $141.3M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 15.30%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091911577
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank Norwood Young America Q3 2026 call report, filed October 16, 2026 (preliminary)
- Holding company
- PIESCO, INC.
- Asset rank in state
- 137th of 221 in Minnesota
Citizens State Bank Norwood Young America operates with a thinner capital cushion than most banks of its size. Based in Norwood Young America, Minnesota, it had $141 million in assets at June 30, 2026, up 2.6% from a year earlier. It funds 8.10% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 21.1% of the capital and reserves that would absorb them, 7.9 times the median of 2.7% for banks its size.
Its $18 million commercial and industrial book is improving, with 2.36% past due or on nonaccrual, down from 3.32% a year earlier. Net income for the quarter rose 12% from a year earlier, to $588,000.
As of June 30, 2026, Citizens State Bank Norwood Young America reported a CET1 capital ratio of 15.30%, a return on assets of 1.67%, a nonperforming-loan ratio of 3.42% and a Texas ratio of 21.07%. The figures come from its call report filed with the FFIEC.
Citizens State Bank Norwood Young America ranks as the 137th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $141.3M, loans fell 1.1% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 25.7% of total loans, ahead of commercial and industrial loans at 25.1%. The FDIC Summary of Deposits lists a single office for it, in Norwood Young America, MN. On its Q2 2026 call report, Citizens State Bank Norwood Young America meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 409 Faxon Rd N, Norwood Young America, MN 55368
- County
- Carver
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 5, 1914
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $126.6M
- Allowance for credit losses
- $996K
- Net charge-offs (YTD)
- $0
- Average total assets
- $140.9M
- Average total loans
- $73.5M
- Average interest-bearing deposits
- $94.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1933
- Fed RSSD
- 875655
- Website
- www.citizensstatebanknya.com →
- Parent Holding Company
- PIESCO, INC. (RSSD 2780717)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens State Bank Norwood Young America's total assets moved between a low of $120.9M (Q4 2023) and a high of $144.9M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$141.3M total assets against $137.7M; $127.3M total liabilities against $124.5M.
$70.1M net loans and leases against $69.8M; $126.6M total deposits against $123.8M.
$33.8M securities against $29.7M; $29.7M cash and balances due against $31.1M.
$1.9M total interest income against $1.8M; $402K total interest expense against $457K.
$1.5M net interest income against $1.3M.
$79K total noninterest income against $101K; $849K total noninterest expense against $842K.
$15K provision for credit losses against $10K.
$588K net income against $524K.
1.67% return on assets against 1.54%; 4.45% net interest margin against 4.15%.
15.30% CET1 capital ratio against 14.19%; 8.10% tier 1 leverage ratio against 7.82%.
Inside the full Citizens State Bank Norwood Young America terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Citizens State Bank Norwood Young America rankings
Its closest position to the top of a national ranking is 149 of 3,640, for Texas Ratio; its furthest is 3,353 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q3 2024) to 1.89% (Q1 2026) and its net interest margin ran from 3.23% (Q3 2024) to 4.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.30% | 1.67% | 3.42% | 21.07% | 4.45% |
| Q1 2026 | 15.13% | 1.89% | 3.29% | 17.36% | 4.11% |
| Q4 2025 | 15.43% | 1.52% | 3.55% | 18.35% | 4.24% |
| Q3 2025 | 15.29% | 1.73% | 3.48% | 18.25% | 3.95% |
| Q2 2025 | 14.19% | 1.54% | 3.53% | 19.87% | 4.15% |
| Q1 2025 | 14.31% | 1.34% | 5.33% | 31.49% | 3.48% |
| Q4 2024 | 14.78% | 1.26% | 3.90% | 25.31% | 3.58% |
| Q3 2024 | 14.57% | 1.12% | 3.68% | 26.04% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens State Bank Norwood Young America (main office) | Norwood Young America , MN | 55368 | $126.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 168 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens State Bank Norwood Young America’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens State Bank Norwood Young America
What are Citizens State Bank Norwood Young America's total assets?
As of the Q2 2026 filing, Citizens State Bank Norwood Young America reported total assets of $141.3 million in its FFIEC call report.
Where is Citizens State Bank Norwood Young America headquartered?
It is headquartered in Norwood Young America, MN, United States.
When was Citizens State Bank Norwood Young America founded?
It was established in 1914, per the FDIC institution directory.
Is Citizens State Bank Norwood Young America FDIC-insured?
Yes. It 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.
What is Citizens State Bank Norwood Young America's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens State Bank Norwood Young America operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank Norwood Young America's Texas Ratio?
Its Texas Ratio is 21.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Citizens State Bank Norwood Young America.
Get an email when Citizens State Bank Norwood Young America files its next call report, and benchmark it against any peer you choose.
Unlock Citizens State Bank Norwood Young America, freeFree account