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The Citizens State Bank Of Ouray
Ouray, CO · FDIC Certificate #1779 · Chartered 08/2
Total assets
$231.19M
Total deposits
$212.29M
Total equity
$16.18M
Net loans
$150.36M
Branches (offices)
7
Net income (YTD)
$650.00K
Rank: #2,806 of 4,213 U.S. banks by assets · #43 of 63 in Colorado. Assets changed 6.2% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.58% |
| Return on equity | 8.21% |
| Net interest margin (YTD) | 4.27% |
| Equity to assets | 7.00% |
| Tier 1 leverage ratio | 8.40% |
| Uninsured deposits (share of deposits) | 16.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 70.8% |
| Real estate loans (share of loans) | 92.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $138.37M | 92.0% | |
| Commercial & industrial | $10.53M | 7.0% | |
| Consumer / individual | $816.00K | 0.5% | |
| Construction & development | $13.40M | 8.9% | |
| Agricultural | $421.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $177.52M | $165.18M | $453.00K | $12.00M |
| Jun 2023 | $192.15M | $178.75M | $237.00K | $12.83M |
| Jun 2024 | $207.80M | $187.69M | $33.00K | $13.12M |
| Jun 2025 | $217.66M | $200.90M | $466.00K | $13.89M |
| Jun 2026 | $231.19M | $212.29M | $650.00K | $16.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $212.29M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $212.29M.
Similar-sized banks
Gateway Commercial Bank ($231.41M) · Bank Of Columbia ($231.10M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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