Citizens State Bank Norwood Young America is a state-chartered bank headquartered in Norwood Young America, Minnesota, in business for about 112 years. At the end of Q2 2026 it reported $141.3M in total assets and $126.6M in deposits, with 1 office.
Based on its Q2 2026 filing, Citizens State Bank Norwood Young America scores 48/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 203rd. Its strongest component is funding & liquidity (97/100; 55% loans-to-deposits, 18% uninsured), and its lowest is loan quality (0/100; 3.42%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (45 → 48), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 42 |
| Q4 2024 | 44 |
| Q1 2025 | 42 |
| Q2 2025 | 45 |
| Q3 2025 | 47 |
| Q4 2025 | 46 |
| Q1 2026 | 49 |
| Q2 2026 | 48 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.74% |
| Q3 2024 | 7.60% |
| Q4 2024 | 7.95% |
| Q1 2025 | 7.81% |
| Q2 2025 | 7.82% |
| Q3 2025 | 7.89% |
| Q4 2025 | 8.02% |
| Q1 2026 | 7.95% |
| Q2 2026 | 8.10% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.51% |
| Q3 2024 | 3.68% |
| Q4 2024 | 3.90% |
| Q1 2025 | 5.33% |
| Q2 2025 | 3.53% |
| Q3 2025 | 3.48% |
| Q4 2025 | 3.55% |
| Q1 2026 | 3.29% |
| Q2 2026 | 3.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.53% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.87% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $141.3M | 8.10% | 3.42% | 1.76% | 55.4% |
| Q1 2026 | 49 | $141.5M | 7.95% | 3.29% | 1.87% | 55.9% |
| Q4 2025 | 46 | $144.9M | 8.02% | 3.55% | 1.52% | 54.3% |
| Q3 2025 | 47 | $139.7M | 7.89% | 3.48% | 1.53% | 55.0% |
| Q2 2025 | 45 | $137.7M | 7.82% | 3.53% | 1.43% | 56.4% |
| Q1 2025 | 42 | $138.4M | 7.81% | 5.33% | 1.32% | 53.8% |
| Q4 2024 | 44 | $133.6M | 7.95% | 3.90% | 1.16% | 55.9% |
| Q3 2024 | 42 | $137.0M | 7.60% | 3.68% | 1.12% | 54.5% |
| Q2 2024 | 57 | $135.2M | 7.74% | 1.51% | 1.12% | 53.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Valley Premier BankBank Hawley, MN | 81 out of 100, Strong | $141.0M | 11.1% | 0.00% | vs |
| Northwoods Bank of MinnesotaBank Park Rapids, MN | 80 out of 100, Strong | $140.6M | 11.2% | 0.03% | vs |
| First Farmers & Merchants National BankBank Fairmont, MN | 68 out of 100, Moderate | $140.4M | 10.6% | 0.06% | vs |
| Farmers and Merchants State Bank of SpringfieldBank Springfield, MN | 42 out of 100, Below average | $139.8M | 8.7% | 4.48% | vs |
| Security State Bank of WarroadBank Warroad, MN | 62 out of 100, Moderate | $138.3M | 16.4% | 4.17% | vs |
| The First National Bank of CokatoBank Cokato, MN | 68 out of 100, Moderate | $138.2M | 8.5% | 0.25% | vs |
Deposit insurance
Is my money safe at Citizens State Bank Norwood Young America?
Yes. Citizens State Bank Norwood Young America is an FDIC-insured institution (FDIC certificate #1933). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.1% of deposits ($22.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.10%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.55% (benchmark: 10%).
1 location
Branches
Citizens State Bank Norwood Young America lists 1 office in 1 city. Most locations:
- Norwood Young America, MN (1)
Identity & history
Profile
- Legal name
- Citizens State Bank Norwood Young America
- Former names
- Citizens State Bank of Norwood
- Type
- State-chartered bank
- FDIC certificate #
- 1933
- RSSD ID
- 875655
- Primary regulator
- FDIC
- Holding company
- Piesco Inc
- Established
- June 5, 1914
- Headquarters
- 409 Faxon Rd N, Norwood Young America, MN 55368
- Website
- www.citizensstatebanknya.com
- Employees
- 20
Quick answers
Citizens State Bank Norwood Young America: common questions
Is Citizens State Bank Norwood Young America FDIC insured?
Yes. Citizens State Bank Norwood Young America is an FDIC-insured institution (FDIC certificate #1933). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank Norwood Young America's TellerScore?
48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens State Bank Norwood Young America ever failed?
There is no failure record for FDIC certificate #1933 in the FDIC failed bank list.
How many branches does Citizens State Bank Norwood Young America have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Norwood Young America
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Center National BankBank Litchfield, MN | 80 out of 100, Strong | $242.6M | 11.1% | 0.00% | vs |
| First State Bank of Le CenterBank Le Center, MN | 76 out of 100, Strong | $110.4M | 11.1% | 0.81% | vs |
| Security Bank & Trust CompanyBank Glencoe, MN | 74 out of 100, Strong | $1.3B | 9.4% | 0.34% | vs |
| Cornerstone State BankBank Montgomery, MN | 74 out of 100, Strong | $247.0M | 10.6% | 0.80% | vs |
| Southpoint Financial Credit UnionCredit union Sleepy Eye, MN | 73 out of 100, Strong | $608.9M | 11.2% | 0.17% | vs |