Citizens State Bank Norwood Young America: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits fell 0.60 percentage points from Q1 2026 to Q2 2026, ending at 24.65% against 25.26%. It was the largest change among the key lines on this page. Within Minnesota, Citizens State Bank Norwood Young America is 134th of 221 on total deposits, $126.6M as of Q2 2026, below the middle of the field. Citizens State Bank Norwood Young America's total deposits of $126.6M is well below the $277.3M median for banks in the $100M-1B asset tier, a gap of 54% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $126.6M |
| Domestic office deposits | $126.6M |
| Foreign office deposits | — |
| Deposits to total assets | 89.57% |
| Deposits to total liabilities | 99.47% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $31.2M |
| Savings deposits | $26.2M |
| Transaction accounts to domestic deposits | 33.94% |
| Time deposits | $26K |
| Time deposits under $100k | $16.4M |
| Time deposits $100k to $250k | $13.2M |
| Time deposits over $250k | $3.6M |
| Noninterest-bearing share of deposits | 24.65% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $123.0M |
| Core deposits to total deposits | 97.17% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.69% |
| Interest expense on deposits | $402K |
| Loans and leases to core deposits | 57.82% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $111.5M | 96.42% | 0.00% | 1.72% |
| Q4 2023 | $108.7M | 95.64% | 0.00% | 2.11% |
| Q1 2024 | $110.4M | 96.39% | 0.00% | 2.27% |
| Q2 2024 | $116.7M | 96.09% | 0.00% | 2.29% |
| Q3 2024 | $117.4M | 96.51% | 0.00% | 2.29% |
| Q4 2024 | $120.2M | 97.22% | 0.00% | 2.11% |
| Q1 2025 | $124.9M | 97.11% | 0.00% | 1.95% |
| Q2 2025 | $123.8M | 96.83% | 0.00% | 1.93% |
| Q3 2025 | $125.1M | 96.74% | 0.00% | 1.97% |
| Q4 2025 | $129.8M | 97.10% | 0.00% | 1.88% |
| Q1 2026 | $126.9M | 97.21% | 0.00% | 1.78% |
| Q2 2026 | $126.6M | 97.17% | 0.00% | 1.69% |
Citizens State Bank Norwood Young America deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank Norwood Young America, freeSource: Call Report Schedules RC-E and RC-O, 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)