Side-by-side · Q2 2026 data
Citizens State Bank Norwood Young America vs Cornerstone State Bank
Bank
Citizens State Bank Norwood Young America
Norwood Young America, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Citizens State Bank Norwood Young America | Cornerstone State Bank |
|---|---|---|
| TellerScore | 48 | 74 (stronger) |
| Capital cushion | 31 | 56 (stronger) |
| Loan quality | 0 | 73 (stronger) |
| Earnings | 91 (stronger) | 80 |
| Funding & liquidity | 97 (stronger) | 93 |
| Problem-loan coverage | 62 | 89 (stronger) |
| Peer percentile | 6th | 57th |
| Total assets | $141.3M | $247.0M |
| Deposits / shares | $126.6M | $223.9M |
| Capital ratio | 8.10% | 10.60% (stronger) |
| Problem loans | 3.42% | 0.80% (stronger) |
| Net charge-offs | 0.00% | -0.84% (stronger) |
| Return on assets | 1.76% (stronger) | 1.49% |
| Loans ÷ deposits | 55.4% (stronger) | 67.1% |
| Uninsured deposits | 18.1% | 11.3% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Cornerstone State Bank has the higher TellerScore (74 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank Norwood Young America leads on 2 and Cornerstone State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.