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Citizens State Bank Norwood Young America
Norwood Young America, MN · FDIC Certificate #1933 · Chartered 06/0
Total assets
$141.33M
Total deposits
$126.60M
Total equity
$14.06M
Net loans
$70.13M
Branches (offices)
1
Net income (YTD)
$1.26M
Rank: #3,366 of 4,213 U.S. banks by assets · #137 of 221 in Minnesota. Assets changed 2.6% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 17.83% |
| Net interest margin (YTD) | 4.27% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 8.10% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 3.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 55.4% |
| Real estate loans (share of loans) | 55.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.90M | 55.5% | |
| Commercial & industrial | $17.87M | 25.5% | |
| Consumer / individual | $1.56M | 2.2% | |
| Construction & development | $1.48M | 2.1% | |
| Agricultural | $12.66M | 18.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $119.79M | $108.83M | $409.00K | $10.53M |
| Jun 2023 | $120.58M | $109.45M | $785.00K | $10.59M |
| Jun 2024 | $135.22M | $116.70M | $716.00K | $11.65M |
| Jun 2025 | $137.70M | $123.79M | $973.00K | $13.22M |
| Jun 2026 | $141.33M | $126.60M | $1.26M | $14.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $126.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $126.60M.
Similar-sized banks
Deutsche Bank Trust Company Delaware ($141.40M) · Methuen Co-Operative Bank ($141.26M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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