BlastPoint's Banking Scorecard
Citizens State Bank Norwood Young America
Norwood Young America, MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +2.3% year over year ($126.6M on the books).
- Delinquency rate 3.46%.
- Return on assets 1.76%.
- Efficiency ratio 53.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank Norwood Young America has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.29% above tier average
- + Efficiency Ratio 10.86% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.55% above tier average
- - Nonperforming Asset Ratio 1.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.3M
+2.6% YoY
-0.1% QoQ
|
-$245.2M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.8% in tier |
| Total Loans ? |
$70.1M
+0.5% YoY
-1.1% QoQ
|
-$188.2M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.3% in tier |
| Total Deposits ? |
$126.6M
+2.3% YoY
-0.3% QoQ
|
-$200.1M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.3% in tier |
| Return on Assets ? |
1.76%
+23.7% YoY
-5.6% QoQ
|
+0.44% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.27%
+11.7% YoY
+4.5% QoQ
|
+0.29% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
53.62%
-7.9% YoY
+1.6% QoQ
|
-10.86% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
3.46%
-3.2% YoY
+4.0% QoQ
|
+2.55% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.9% in tier |
| Loan-to-Deposit Ratio ? |
55.40%
-1.7% YoY
-0.8% QoQ
|
-22.56% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.65%
+1.1% YoY
-2.4% QoQ
|
+2.62% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
2.00%
+10.2% YoY
+19.7% QoQ
|
+1.33% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.0% in tier |
| Tier 1 Capital Ratio ? |
15.30%
+7.8% YoY
+1.1% QoQ
|
-0.61% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.12%
-14.5% YoY
+85.1% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
26% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.7%
+0.3pp YoY -0.6pp QoQ |
+2.5pp | 22.1% | 21.9% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.5%
-2.6pp YoY +0.9pp QoQ |
+13.9pp | 11.6% | 14.6% | 12.5% | 94% |
| CRE | n/a | n/a | 39.5% | 36.5% | 41.4% | n/a |
| 1-4 Family |
16.5%
+0.4pp YoY -0.2pp QoQ |
-16.2pp | 32.6% | 29.4% | 31.3% | 22% |
| Consumer |
2.2%
+0.4pp YoY +0.2pp QoQ |
-1.9pp | 4.1% | 4.5% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.3%
+1.1pp YoY +0.2pp QoQ |
-3.5pp | 18.8% | 16.5% | 19.7% | 52% |
| Leverage Ratio |
8.1%
+0.3pp YoY +0.1pp QoQ |
-4.1pp | 12.2% | 11.0% | 12.6% | 3% |
| Total Capital Ratio |
16.5%
+1.1pp YoY +0.2pp QoQ |
-3.4pp | 19.9% | 17.6% | 20.8% | 53% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY 0 QoQ |
-39 | 58 | 55 | 482 | 11% |
| Assets per Employee ($) |
$7.1M
+2.6% YoY -0.1% QoQ |
-$452K | $7.5M | $8.6M | $8.8M | 54% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.6% | +0.3pp | 0.3% | 0.4% | 0.4% | 86% |
| Nonaccrual |
2.8%
-0.8pp YoY -0.5pp QoQ |
+1.9pp | 0.9% | 1.0% | 1.0% | 93% |
| Allowance Coverage |
0.41x
+12.4% YoY -1.3% QoQ |
-23.74x | 24.15x | 20.41x | 20.23x | 7% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.8%
+2.8pp YoY -1.1pp QoQ |
+5.6pp | 12.2% | 13.1% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.7% | 1.7% | 20% |
| Net Income ($, YTD) |
$1.3M
+29.2% YoY — QoQ |
-$1.3M | $2.6M | $4.5M | $40.4M | 35% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.