Total Assets
$145M
Total balance-sheet footings
FDIC Cert #1933 · Norwood Young America, Minnesota · Est. 1914
Citizens State Bank Norwood Young America - FDIC Bank Health Profile
A community-scale look at Citizens State Bank Norwood Young America's own numbers, pulled straight from its quarterly FDIC Call Report.
- $145M
- Total assets
- A
- Health grade · Excellent
- 1.52%
- Return on assets
- 15.4%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens State Bank Norwood Young America earns a PlainBankData health grade of A (87/100), with well-capitalized at 15.43% Tier 1, profitable at 1.52% ROA, efficient (55% cost ratio).
- #3,394
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 15.43%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Citizens State Bank Norwood Young America's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens State Bank Norwood Young America's composite health score
Tier 1 Capital Ratio (15.43%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (16.64%) 10/20
Efficiency Ratio (55.45%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$130M
Customer-funded liabilities
Net Loans
$71M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens State Bank Norwood Young America ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens State Bank Norwood Young America's score of 87/100 falls in the highlighted band.
Citizens State Bank Norwood Young America's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens State Bank Norwood Young America's $145M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.43%
Texas Ratio
16.64%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
15.78%
Efficiency Ratio
55.45%
What the numbers say about Citizens State Bank Norwood Young America
Citizens State Bank Norwood Young America is an FDIC-insured institution (Certificate #1933) headquartered in Norwood Young America, Minnesota, established in 1914. It holds $145M in total assets - 3,394th of 4,313 FDIC-insured banks, $130M in customer deposits, and $71M in net loans. Its capital position: a Tier 1 ratio of 15.43%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 16.64% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens State Bank Norwood Young America is a community-scale institution -- 136th of 227 FDIC-insured banks headquartered in Minnesota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$388K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens State Bank Norwood Young America reports a Texas Ratio of 16.64% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens State Bank Norwood Young America (FDIC Cert #1933) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Citizens State Bank Norwood Young America's health grade?▼
Citizens State Bank Norwood Young America receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens State Bank Norwood Young America?▼
Citizens State Bank Norwood Young America holds $145M in total assets and $130M in deposits, ranking 3,394th of 4,313 FDIC-insured banks by asset size. It is headquartered in Norwood Young America, Minnesota.
Is my money safe at Citizens State Bank Norwood Young America?▼
Yes, deposits at Citizens State Bank Norwood Young America (Certificate #1933) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens State Bank Norwood Young America's Tier 1 Capital Ratio?▼
Citizens State Bank Norwood Young America has a Tier 1 Capital Ratio of 15.43%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens State Bank Norwood Young America?▼
Citizens State Bank Norwood Young America has a Texas Ratio of 16.64%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens State Bank Norwood Young America?▼
Citizens State Bank Norwood Young America has an Efficiency Ratio of 55.45%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens State Bank Norwood Young America's profile as a depositor or analyst.
- Citizens State Bank Norwood Young America's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens State Bank Norwood Young America against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.