Side-by-side · Q2 2026 data
Citizens State Bank Norwood Young America vs Security State Bank of Warroad
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 State Bank of Warroad |
|---|---|---|
| TellerScore | 48 | 62 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 91 (stronger) | 48 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 62 | 70 (stronger) |
| Peer percentile | 6th | 22nd |
| Total assets | $141.3M | $138.3M |
| Deposits / shares | $126.6M | $119.9M |
| Capital ratio | 8.10% | 16.41% (stronger) |
| Problem loans | 3.42% (stronger) | 4.17% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.76% (stronger) | 0.69% |
| Loans ÷ deposits | 55.4% (stronger) | 56.3% |
| Uninsured deposits | 18.1% | 14.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Security State Bank of Warroad has the higher TellerScore (62 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank Norwood Young America leads on 4 and Security State Bank of Warroad on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.