Side-by-side · Q2 2026 data
Citizens State Bank Norwood Young America vs Security Bank & Trust Company
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 | Security Bank & Trust Company |
|---|---|---|
| TellerScore | 48 | 74 (stronger) |
| Capital cushion | 31 | 44 (stronger) |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 91 | 98 (stronger) |
| Funding & liquidity | 97 (stronger) | 60 |
| Problem-loan coverage | 62 | 96 (stronger) |
| Peer percentile | 6th | 74th |
| Total assets | $141.3M | $1.3B |
| Deposits / shares | $126.6M | $1.2B |
| Capital ratio | 8.10% | 9.37% (stronger) |
| Problem loans | 3.42% | 0.34% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.76% | 1.96% (stronger) |
| Loans ÷ deposits | 55.4% (stronger) | 71.3% |
| Uninsured deposits | 18.1% (stronger) | 40.9% |
| Offices | 1 | 19 |
| CFPB complaints (3 yrs) | — | 124 |
| Complaints per $1B deposits | — | 103.3 |
| Mortgage denial rate (HMDA) | — | 2.6% |
Security Bank & Trust Company 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 3 and Security Bank & Trust Company on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.