Citizens State Bank Norwood Young America: how it compares with its peers
Against 99 MN banks with half to twice its assets, Citizens State Bank Norwood Young America's strongest measure in Q2 2026 is efficiency ratio (53.62% vs. a 61.48% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.24% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 4.02% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.62% | 61.48% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.1M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.40% | 79.75% | Context |
What it means for lending operations
Its efficiency ratio of 53.62% is better than the 61.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Valley Premier Bank Hawley, MN · $141M
- Northwoods Bank of Minnesota Park Rapids, MN · $141M
- First Farmers & Merchants National Bank Fairmont, MN · $140M
- Farmers and Merchants State Bank of Springfield Springfield, MN · $140M
- Security State Bank of Warroad Warroad, MN · $138M
- The First National Bank of Cokato Cokato, MN · $138M
Questions about Citizens State Bank Norwood Young America
How big is Citizens State Bank Norwood Young America?
Citizens State Bank Norwood Young America, established in 1914, is headquartered in Norwood Young America, MN. It reported $141M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens State Bank Norwood Young America's return on assets?
1.76% annualized in Q2 2026, against a 1.24% median for 99 MN banks with half to twice its assets, ahead of 77% of them.
What is Citizens State Bank Norwood Young America's efficiency ratio?
53.62% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 61.48%, and lower is better.
Is Citizens State Bank Norwood Young America growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits grew 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.