Side-by-side · Q2 2026 data
Northwoods Bank of Minnesota vs Citizens State Bank Norwood Young America
Bank
Citizens State Bank Norwood Young America
Norwood Young America, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northwoods Bank of Minnesota | Citizens State Bank Norwood Young America |
|---|---|---|
| TellerScore | 80 (stronger) | 48 |
| Capital cushion | 62 (stronger) | 31 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 62 | 91 (stronger) |
| Funding & liquidity | 94 | 97 (stronger) |
| Problem-loan coverage | 100 (stronger) | 62 |
| Peer percentile | 77th | 6th |
| Total assets | $140.6M | $141.3M |
| Deposits / shares | $125.0M | $126.6M |
| Capital ratio | 11.22% (stronger) | 8.10% |
| Problem loans | 0.03% (stronger) | 3.42% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.05% | 1.76% (stronger) |
| Loans ÷ deposits | 61.3% | 55.4% (stronger) |
| Uninsured deposits | 19.1% | 18.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northwoods Bank of Minnesota has the higher TellerScore (80 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Northwoods Bank of Minnesota leads on 4 and Citizens State Bank Norwood Young America on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.