Bank call report · Norwood Young America, MN
Citizens State Bank Norwood Young America Call Report
BankRegReports is independent of Citizens State Bank Norwood Young America and never asks for online banking logins or passwords.
Citizens State Bank Norwood Young America filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 300 reported line items, schedule by schedule (768 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 875655 |
| FDIC certificate number | 1933 |
| Total assets | $141.3M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens State Bank Norwood Young America call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Citizens State Bank Norwood Young America balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $141.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $141.3M |
| Total Liabilities and Minority Interest | RCON2948 | $127.3M |
| Total Deposits | RCON2200 | $126.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $95.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $71.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $70.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $33.7M |
| Deposits: Noninterest-bearing | RCON6631 | $31.2M |
| Interest-bearing Balances | RCON0071 | $28.0M |
| Total Equity Capital | RCON3210 | $14.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $14.1M |
| Surplus | RCON3839 | $8.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $5.6M |
| Goodwill | RCON3163 | $3.2M |
| Intangible Assets | RCON2143 | $3.2M |
| Other Assets | RCON2160 | $2.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $996K |
| Other Liabilities, Total | RCON2930 | $676K |
| Other Real Estate Owned | RCON2150 | $395K |
| Accumulated Other Comprehensive Income | RCONB530 | -$266K |
| Common Stock | RCON3230 | $150K |
| Federal Funds Sold | RCONB987 | $131K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $69K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Citizens State Bank Norwood Young America income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $3.7M |
| Net Interest Income | RIAD4074 | $2.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.6M |
| Total Noninterest Expense | RIAD4093 | $1.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.3M |
| Net Income (Loss) | RIAD4340 | $1.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.3M |
| Salaries and Employee Benefits | RIAD4135 | $1.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $926K |
| Total Interest Expense | RIAD4073 | $817K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $701K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $532K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $531K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $531K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $525K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $486K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $397K |
| Other Noninterest Expense | RIAD4092 | $266K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $258K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $257K |
| Total Noninterest Income | RIAD4079 | $172K |
| Applicable Income Taxes | RIAD4302 | $120K |
| Other Noninterest Income | RIADB497 | $92K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $58K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $47K |
| Net Servicing Fees | RIADB492 | $45K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $35K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $28K |
| Provision for Loan and Lease Losses | RIAD4230 | $25K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $15K |
| Other Interest Income | RIAD4518 | $7K |
| Income from Lease Financing Receivables | RIAD4065 | $3K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $3K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 20 |
Schedule RC-B: Securities (7 items)
About Schedule RC-B · Citizens State Bank Norwood Young America securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $34.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $34.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $33.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $15.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $14.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.0M |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Citizens State Bank Norwood Young America loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $71.1M |
| Pledged Loans and Leases | RCONG378 | $32.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $29.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $18.2M |
| Commercial and Industrial Loans | RCON1766 | $17.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $17.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $15.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $14.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $12.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $11.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $8.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $6.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $5.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $766K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $714K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $615K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $486K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $372K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $217K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $100K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $88K |
| Other Loans | RCONJ464 | $48K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $45K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $4.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $4.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $3.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $545K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $164K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 136 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 53 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 36 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 29 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 21 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 15 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 14 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 13 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 10 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 9 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Citizens State Bank Norwood Young America deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $83.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $83.4M |
| Total Transaction Accounts | RCON2215 | $43.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $42.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $31.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $28.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $26.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $24.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $16.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $14.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $13.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $13.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $3.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $2.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $2.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $859K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $411K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $290K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $276K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $169K |
Schedule RC-F: Other Assets (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.2M |
| Accrued Interest Receivable | RCONB556 | $1.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $139K |
| Other Assets | RCON2168 | $50K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Citizens State Bank Norwood Young America quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $140.9M |
| Quarterly Average of Total Loans | RCON3360 | $73.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $49.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $33.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $29.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $27.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $18.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $15.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $11.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $10.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $3.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $172K |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $88K |
| All Other Securities | RCONB560 | $55K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Citizens State Bank Norwood Young America derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $5.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $789K |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $456K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $150K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Citizens State Bank Norwood Young America memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $579K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $395K |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $69K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (19 items)
About Schedule RC-N · Citizens State Bank Norwood Young America past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.0M |
| Itemize Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by Farmland in Domestic Offices Included in All Other Loans: Nonaccrual | RCONK132 | $1.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $1.0M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $1.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $665K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $665K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $449K |
| Additions to Nonaccrual Assets | RCONC410 | $380K |
| All Other Loans - Nonaccrual | RCON5461 | $380K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $380K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $367K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $355K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $340K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $320K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $155K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $82K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $65K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $13K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens State Bank Norwood Young America other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $140.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $126.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $84.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $38.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $11.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $501K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,714 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 115 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 63 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens State Bank Norwood Young America regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Citizens State Bank Norwood Young America regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $140.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $137.7M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $72.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $14.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $12.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $11.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $11.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $11.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $8.8M |
| Retained Earnings | RCOAKW00 | $5.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $3.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $3.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $912K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $912K |
| Tier 2 Capital Before Deductions | RCOAP870 | $912K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$266K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$266K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1655 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.153 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.153 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0855 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.081 |
Schedule RC-R, Part II: Risk-Weighted Assets (56 items)
About Schedule RC-R, Part II · Citizens State Bank Norwood Young America risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $73.0M |
| Total Risk-weighted Assets | RCONG641 | $72.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $65.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $65.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $64.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $63.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $63.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $57.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $56.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $34.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $33.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $29.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $29.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $11.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $9.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $9.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $9.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $9.0M |
| Total All Other Assets | RCOND981 | $7.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $4.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $4.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $3.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $3.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $2.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $2.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $1.9M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.7M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $1.4M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $1.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $636K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $582K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $423K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $423K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $334K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $320K |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $277K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$266K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $184K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $150K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $150K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $131K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $131K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $114K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $100K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $69K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $50K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $43K |
| Retained Resource on Small Business Obligations Sold with Resource - 100 Pct Risk Weight Category | RCONG617 | $5K |
| Retained Resource on Small Business Obligations Sold with Resource - Credit Equivalent Amount | RCONG613 | $5K |
| Retained Resource on Small Business Obligations Sold with Resource - Face, Notional, or Other Amount | RCONG612 | $5K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $14.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $14.3M |
| Total Equity Capital | RIAD3210 | $14.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.2M |
| Other Comprehensive Income | RIADB511 | -$292K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Citizens State Bank Norwood Young America changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $996K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $971K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $3K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $469K |
Citizens State Bank Norwood Young America call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens State Bank Norwood Young America call report?
The Citizens State Bank Norwood Young America call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens State Bank Norwood Young America file?
Citizens State Bank Norwood Young America files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens State Bank Norwood Young America call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens State Bank Norwood Young America has Federal Reserve RSSD ID 875655 and FDIC certificate number 1933. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens State Bank Norwood Young America file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens State Bank Norwood Young America financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 1933) · FFIEC NIC profile (RSSD 875655)