Citizens State Bank Norwood Young America: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 2.8% in Q2 2026 to $5.6M, the biggest move on this page. Within Minnesota, Citizens State Bank Norwood Young America is 66th of 161 on CET1 ratio, 15.30% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Citizens State Bank Norwood Young America reported 15.30% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.55% |
| Tier 1 leverage ratio | 8.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $11.2M |
| Tier 1 capital | $11.2M |
| Total risk-based capital | $12.1M |
| Total equity capital | $14.1M |
| Risk-weighted assets | $72.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.95% |
| Tangible equity to tangible assets | 7.88% |
| Equity capital to average assets | 9.98% |
| Internal capital growth rate | 4.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $8.6M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$266K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.81% | 15.81% | 17.06% | 8.58% | $64.1M |
| Q4 2023 | 15.68% | 15.68% | 16.92% | 8.49% | $64.8M |
| Q1 2024 | 14.30% | 14.30% | 15.42% | 8.01% | $68.6M |
| Q2 2024 | 14.49% | 14.49% | 15.66% | 7.74% | $68.4M |
| Q3 2024 | 14.57% | 14.57% | 15.71% | 7.60% | $69.8M |
| Q4 2024 | 14.78% | 14.78% | 15.91% | 7.95% | $70.7M |
| Q1 2025 | 14.31% | 14.31% | 15.51% | 7.81% | $71.2M |
| Q2 2025 | 14.19% | 14.19% | 15.44% | 7.82% | $73.1M |
| Q3 2025 | 15.29% | 15.29% | 16.54% | 7.89% | $70.4M |
| Q4 2025 | 15.43% | 15.43% | 16.68% | 8.02% | $71.9M |
| Q1 2026 | 15.13% | 15.13% | 16.38% | 7.95% | $72.7M |
| Q2 2026 | 15.30% | 15.30% | 16.55% | 8.10% | $72.9M |
Citizens State Bank Norwood Young America regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank Norwood Young America, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens State Bank Norwood Young America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1933) · FFIEC NIC profile (RSSD 875655)