Citizens State Bank Norwood Young America: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.28 percentage points higher than in Q1 2026, at 12.18%. Citizens State Bank Norwood Young America ranks 191st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 56.18% (Q2 2026). Citizens State Bank Norwood Young America reported 56.18% on loan-to-deposit ratio for Q2 2026, 24.66 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $71.1M |
| Net loans and leases | $70.1M |
| Loans held for sale | $0 |
| Loans to total assets | 50.33% |
| Loan-to-deposit ratio | 56.18% |
| Net loans to equity capital | 4.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.72% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 25.13% |
| Consumer | 2.19% |
| Credit cards | 0.00% |
| Farm | 25.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.83% |
| Construction concentration (Tier 1 capital + allowance) | 12.18% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.26% |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $58.9M | $111.5M | 17.54% | 28.00% | 3.31% |
| Q4 2023 | $62.0M | $108.7M | 16.16% | 26.36% | 3.23% |
| Q1 2024 | $65.7M | $110.4M | 13.94% | 27.40% | 2.71% |
| Q2 2024 | $63.5M | $116.7M | 14.18% | 28.87% | 2.60% |
| Q3 2024 | $64.9M | $117.4M | 14.03% | 27.76% | 2.32% |
| Q4 2024 | $67.9M | $120.2M | 12.86% | 28.02% | 2.09% |
| Q1 2025 | $68.1M | $124.9M | 12.48% | 27.28% | 1.88% |
| Q2 2025 | $70.7M | $123.8M | 11.84% | 27.71% | 1.78% |
| Q3 2025 | $69.8M | $125.1M | 11.49% | 25.54% | 2.05% |
| Q4 2025 | $71.5M | $129.8M | 10.29% | 24.14% | 2.10% |
| Q1 2026 | $71.9M | $126.9M | 10.26% | 24.25% | 1.99% |
| Q2 2026 | $71.1M | $126.6M | 10.72% | 25.13% | 2.19% |
Citizens State Bank Norwood Young America loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank Norwood Young America, freeSource: Call Report Schedule RC-C, 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)