Citizens State Bank Norwood Young America: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens State Bank Norwood Young America of Norwood Young America, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.34% | +0.33% | 73rd above |
| ROAE | 16.79% | 13.31% | +3.48% | 75th top |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 54.42% | 61.14% | -6.72% | 71st above |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 53rd above |
| Cost of Funds | 1.28% | 1.88% | -0.60% | 81st top |
| Net Interest Spread | 3.97% | 3.32% | +0.65% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.79% | 0.94% | +1.85% | 8th bottom |
| NPA / Total Assets | 1.68% | 0.70% | +0.98% | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 50.28% | 1538.90% | -1488.62% | 11th bottom |
| Texas Ratio | 23.76% | 7.33% | +16.43% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 19.50% | -4.20% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 19.54% | -4.24% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.55% | 20.62% | -4.07% | 52nd above |
| Leverage Ratio | 8.10% | 12.14% | -4.04% | 3rd bottom |
| Equity / Assets | 9.95% | 11.37% | -1.42% | 44th below |
| TCE / Tangible Assets | 7.88% | 11.09% | -3.21% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.18% | 80.64% | -24.46% | 87th top |
| Core Deposit Ratio | 97.17% | 86.86% | +10.31% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.64% | 6.85% | -4.21% | 37th below |
| Loan Growth (Y/Y) | 0.63% | 7.90% | -7.27% | 25th below |
| Deposit Growth (Y/Y) | 2.27% | 6.29% | -4.02% | 37th below |
See Citizens State Bank Norwood Young America's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens State Bank Norwood Young America, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens State Bank Norwood Young America profile, how to read a UBPR, or how this data updates.