Citizens Stb Norwood Young A
Norwood Young Am, Minnesota · FDIC Cert #1933
Citizens Stb Norwood Young A is an FDIC-insured bank (Certificate #1933) with $135M in total assets and $117M in total deposits as of the Q2 2024 Call Report. Headquartered in Norwood Young Am, Minnesota, the bank maintains a Tier 1 capital ratio of 14.49% (Well-Capitalized) and a nonperforming loan ratio of 1.51%. BankHealthData assigns a composite Health Grade of A (86/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens Stb Norwood Young A (FDIC cert 1933) is a community bank — $135M in total assets, $117M in deposits, serving the Norwood Young Am, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.49% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.51% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 47.9% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.21% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Citizens Stb Norwood Young A carries a composite BankHealth grade of A (86/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens Stb Norwood Young A
- Total Assets
- $135M
- Total Deposits
- $117M
- Tier 1 Capital Ratio
- 14.49%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.51%
- Liquidity Ratio
- 47.89%
- Return on Assets
- 1.21%
- Headquarters
- Norwood Young Am, Minnesota
- FDIC Certificate
- #1933
- Health Grade
- A (86/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens Stb Norwood Young A holds a Tier 1 capital ratio of 14.49%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Citizens Stb Norwood Young A has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Citizens Stb Norwood Young A shows strong financial health indicators. With $135M in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Citizens Stb Norwood Young A Compares
Citizens Stb Norwood Young A’s Health Score of 86 is 13 points above the Minnesota state average of 73 across 225 FDIC-insured banks. Its 14.49% Tier 1 capital ratio is 0.5 points above the US banking industry average near 14%. The 1.51% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.21% is in line with or above the national ROA benchmark of ~1.1%. Among 1301 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Citizens Stb Norwood Young A is 16 points above the portfolio average of 70.
Frequently Asked Questions
Citizens Stb Norwood Young A has a Bank Health Score of A (86/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.49%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens Stb Norwood Young A's Tier 1 capital ratio of 14.49% and nonperforming loan ratio of 1.51% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens Stb Norwood Young A is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1933). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens Stb Norwood Young A holds $135M in total assets and $117M in total deposits. It is headquartered in Norwood Young Am, Minnesota (FDIC Certificate #1933).
Citizens Stb Norwood Young A has a Tier 1 capital ratio of 14.49%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.51%, and the return on assets is 1.21%.
Yes. Citizens Stb Norwood Young A is FDIC-insured (Certificate #1933). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens Stb Norwood Young A's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.