Citizens State Bank Norwood Young America

Norwood Young America, MN

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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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	1.90
Capitalization Index	6.00
Liquidity Index	4.50
Profitability Index	6.90
Stability Index	6.50

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	8.46%
5-Year Asset Growth	8.63%
5-Year Charge-Offs to Average Loans	0.11%
Charge-Offs to Average Loans	-0.08%
Non-Performing Assets to Assets	1.60%
Non-Performing Loans to Capital	18.79%
Non-Performing Loans to Loans	3.68%

Balance Sheet	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Total Assets	144.87M
Total Deposits	129.85M

Capital and Reserves	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Capital	14.28M
Leverage Ratio	8.02
Loan Loss Reserves to Loans	1.36%
Risk-Based Capital Ratio	16.68

Liquidity	Citizens State Bank Norwood Young America Norwood Young America, MN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	13.15%
Liquidity Ratio	50.85%

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	2.11M
Net Interest Spread	3.96%
Operating Profit to Average Assets	1.69%
Overhead Efficiency Ratio	55.45%
Return on Assets	1.53%
Return on Equity	15.82%