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Citizens State Bank of Ouray, The

Ouray, CO · Cert 1779 · Csbo Holdings Inc. Esop

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens State Bank of Ouray, The

Ouray, CO · Cert 1779 · Csbo Holdings Inc. Esop

State charter, non-member · FDIC · 7 branches

Q2 2026

$231.2MAssets
$151.9MLoans
$212.3MDeposits
$16.2MEquity
Loan mix
93%RE $139.4M6%C&I $9.4M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $143.3M33%Noninterest $69.0MQ2 2025Q2 2026

NIM

4.35%Q2 ’244.68%Q2 ’254.81%Q2 ’26+26%+12%

Non-interest income vs. expense

3.06%Q2 ’243.27%Q2 ’253.56%Q2 ’26+8%+10%

Executive Summary

  • Earnings: ROA of 0.58%, up 14 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.40%, up 38 bps from a year ago.
  • Funding: loans stand at 71.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+41 bps YoY

Efficiency Ratio (YTD, annualized)

83.11%-172 bps YoY

Tier 1 Leverage Ratio

8.40%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.49%0.67%0.58%0.58%+14 bps
Return on Equity6.83%7.64%10.14%8.15%8.21%+138 bps
Net Interest Margin3.35%3.37%3.52%3.79%3.76%+41 bps
Efficiency Ratio84.83%83.60%83.88%83.36%83.11%-172 bps
Non-Interest Burden2.76%2.73%2.87%3.07%3.03%+27 bps
Growth
Asset Growth (YoY)4.75%1.47%4.85%4.80%6.22%+147 bps
Loan Growth (YoY)7.93%6.26%2.28%-1.25%-2.88%-1,081 bps
Deposit Growth (YoY)7.03%0.14%3.99%4.28%5.67%-137 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.00%0.02%0.06%0.01%0.04%+4 bps
Allowance / Loans0.98%0.99%0.98%0.99%0.98%0 bps
Allowance Coverage of NPLs36.7x256.2x249.7x250.7x298.8x+262.1x
Capital
Tier 1 Leverage Ratio8.02%7.97%8.43%8.44%8.40%+38 bps
Total Risk-Based Capital12.17%13.08%12.82%13.67%12.97%+80 bps
Equity / Assets6.38%6.61%7.23%6.97%7.00%+61 bps
Liquidity & Funding
Loans / Deposits77.82%75.72%77.60%73.24%71.53%-629 bps
Liquid Assets / Assets6.77%9.27%8.71%14.05%14.58%+781 bps
CRE / Total Capitaln/a331%321%321%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens State Bank of Ouray, The

Ouray, CO · Cert 1779 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Csbo Holdings Inc. Esop

State charter, non-member · FDIC · 7 branches

Q2 2026

$231.2MAssets
$151.9MLoans
$212.3MDeposits
$16.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets operating in a single state (rank 116 of 743).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 699 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.56%

Rank 620 of 746

Net Interest Margin

3.76%

Rank 347 of 746

Efficiency Ratio

83.11%

Rank 648 of 746

Equity / Assets

7.00%

Rank 699 of 746

Non-interest income vs. expense

$1.2M$8.1MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state
Bank 83.11%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.72%1.06%1.45%Beats 17%620 / 746
Return on Equity8.04%6.74%10.51%13.63%Beats 34%496 / 746
Net Interest Margin3.76%3.17%3.68%4.16%Beats 53%347 / 746
Efficiency Ratio83.11%55.74%64.58%75.47%Beats 13%648 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 85%116 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 39%454 / 743
Capital
Tier 1 Capital Ratio12.03%11.55%13.75%17.60%Beats 32%506 / 746
Total Risk-Based Capital Ratio12.97%11.71%14.33%18.43%Beats 36%474 / 746
Equity / Assets7.00%8.90%10.51%13.06%Beats 6%699 / 746
Liquidity & Funding
Loans / Deposits71.53%61.31%78.27%90.78%37th pctl468 / 746
Loans / Assets65.68%53.60%66.97%76.08%46th pctl400 / 746
Brokered Deposits / Depositsn/aNot reported for this institution