BlastPoint's Banking Scorecard
Citizens State Bank Norwood Young America
Micro
Specialty: Agricultural
MN
FDIC cert 1933
Designations: ✓ Community bank
Norwood Young America, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Citizens State Bank Norwood Young America faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.96% above tier
- - Nonperforming Asset Ratio 1.30% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.9M
+8.5% YoY
+3.7% QoQ
|
-$72.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$70.5M
+5.1% YoY
+2.5% QoQ
|
-$68.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$129.8M
+8.1% YoY
+3.8% QoQ
|
-$53.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.52%
+30.7% YoY
-0.6% QoQ
|
+0.44% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.97%
+15.0% YoY
+2.1% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
55.45%
-11.6% YoY
-1.1% QoQ
|
-12.28% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
3.60%
-8.7% YoY
+1.9% QoQ
|
+2.96% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
54.31%
-2.8% YoY
-1.3% QoQ
|
-20.21% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
29.32%
+14.9% YoY
+18.3% QoQ
|
+6.93% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.75%
-11.6% YoY
+0.7% QoQ
|
+1.30% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
15.43%
+4.4% YoY
+0.9% QoQ
|
+6.57% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.27%
-18.9% YoY
+26.9% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.60%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.75%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.31% · Tier avg: 74.53%
80
80th pctile
Efficiency Ratio
Current: 55.45% · Tier avg: 67.73%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.32% · Tier avg: 22.39%
76
76th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.43% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
39
39th pctile
Total Deposits
Current: $129.8M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $144.9M · Tier avg: $217.5M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
29
29th pctile
Total Loans
Current: $70.5M · Tier avg: $139.2M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.75% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.60% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.60% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.75% · Tier avg: 0.45%
29
29th pctile
Total Loans
Current: $70.5M · Tier avg: $139.2M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
36
36th pctile
Total Assets
Current: $144.9M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $129.8M · Tier avg: $183.7M
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.43% · Tier avg: 8.85%
76
76th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.32% · Tier avg: 22.39%
80
80th pctile
Efficiency Ratio
Current: 55.45% · Tier avg: 67.73%
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.31% · Tier avg: 74.53%