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
Unfavorable gap of $6.9M · efficiency ratio beats 13% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.72% | 1.06% | 1.45% | Beats 17% | 620 / 746 | | |
| Return on Equity | 8.04% | 6.74% | 10.51% | 13.63% | Beats 34% | 496 / 746 | | |
| Net Interest Margin | 3.76% | 3.17% | 3.68% | 4.16% | Beats 53% | 347 / 746 | | |
| Efficiency Ratio | 83.11% | 55.74% | 64.58% | 75.47% | Beats 13% | 648 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 85% | 116 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 39% | 454 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.03% | 11.55% | 13.75% | 17.60% | Beats 32% | 506 / 746 | | |
| Total Risk-Based Capital Ratio | 12.97% | 11.71% | 14.33% | 18.43% | Beats 36% | 474 / 746 | | |
| Equity / Assets | 7.00% | 8.90% | 10.51% | 13.06% | Beats 6% | 699 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.53% | 61.31% | 78.27% | 90.78% | 37th pctl | 468 / 746 | | |
| Loans / Assets | 65.68% | 53.60% | 66.97% | 76.08% | 46th pctl | 400 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |