Citizens State Bank Norwood Young America

Norwood Young America, MN

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	2.00
Capitalization Index	5.90
Liquidity Index	4.40
Profitability Index	6.50
Stability Index	6.60

Company Info	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	1933
Phone Number	(952) 467-3000
Website	www.citizensstatebanknya.com

Asset Quality	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.97%
5-Year Asset Growth	11.43%
5-Year Charge-Offs to Average Loans	0.11%
Charge-Offs to Average Loans	-0.10%
Non-Performing Assets to Assets	1.81%
Non-Performing Loans to Capital	18.02%
Non-Performing Loans to Loans	4.08%

Balance Sheet	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Total Assets	139.73M
Total Deposits	125.13M

Capital and Reserves	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Capital	13.79M
Leverage Ratio	7.89
Loan Loss Reserves to Loans	1.35%
Risk-Based Capital Ratio	16.54

Liquidity	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.10%
Liquidity Ratio	49.85%

Profitability	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.33%
Net Income	1.58M
Net Interest Spread	3.86%
Operating Profit to Average Assets	1.63%
Overhead Efficiency Ratio	56.07%
Return on Assets	1.54%
Return on Equity	16.02%