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Letter portraitLegal landscapeQuarterYTD

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 $0.8MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $143.3M33%Noninterest $69.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.58%, up 14 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.08%.
  • 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.

Return on Assets (quarter, annualized)

0.58%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+37 bps YoY

Efficiency Ratio (quarter, annualized)

82.86%-225 bps YoY

Tier 1 Leverage Ratio

8.40%+38 bps YoY

NIM

4.59%Q2 ’244.76%Q2 ’254.89%Q2 ’26+23%+11%

Non-interest income vs. expense

3.30%Q2 ’243.35%Q2 ’253.59%Q2 ’26+1%+8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.14%0.43%0.44%0.60%1.18%0.58%0.58%+14 bps
Return on Equity3.08%2.21%6.69%6.94%9.25%17.08%8.15%8.30%+136 bps
Net Interest Margin2.78%3.29%3.31%3.43%3.57%3.77%3.79%3.80%+37 bps
Efficiency Ratio91.45%92.62%84.53%85.11%81.35%84.66%83.36%82.86%-225 bps
Non-Interest Burden2.50%3.01%2.72%2.84%2.80%3.12%3.07%3.06%+22 bps
Growth
Asset Growth (YoY)7.00%6.70%3.77%4.75%1.47%4.85%4.80%6.22%+147 bps
Loan Growth (YoY)9.75%9.38%9.33%7.93%6.26%2.28%-1.25%-2.88%-1,081 bps
Deposit Growth (YoY)6.47%5.83%5.76%7.03%0.14%3.99%4.28%5.67%-137 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.03%0.03%0.03%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.04%0.18%0.01%0.08%+8 bps
Allowance / Loans1.00%0.99%0.98%0.98%0.99%0.98%0.99%0.98%0 bps
Allowance Coverage of NPLs3.9x39.0x32.8x36.7x256.2x249.7x250.7x298.8x+262.1x
Capital
Tier 1 Leverage Ratio7.86%8.26%7.99%8.02%7.97%8.43%8.44%8.40%+38 bps
Total Risk-Based Capital12.59%12.52%12.72%12.17%13.08%12.82%13.67%12.97%+80 bps
Equity / Assets6.31%6.45%6.40%6.38%6.61%7.23%6.97%7.00%+61 bps
Liquidity & Funding
Loans / Deposits71.36%78.90%77.34%77.82%75.72%77.60%73.24%71.53%-629 bps
Liquid Assets / Assets10.75%5.19%7.06%6.77%9.27%8.71%14.05%14.58%+781 bps
CRE / Total Capitaln/an/an/an/a331%321%321%n/an/a