Headquartered in Ouray, Colorado, The Citizens State Bank of Ouray is a state-chartered bank with $231.2M in total assets and $212.3M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1913.
Based on its Q2 2026 filing, The Citizens State Bank of Ouray scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 44th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (34/100; 8.40%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the funding & liquidity component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 64 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.20% |
| Q3 2024 | 7.86% |
| Q4 2024 | 8.26% |
| Q1 2025 | 7.99% |
| Q2 2025 | 8.02% |
| Q3 2025 | 7.97% |
| Q4 2025 | 8.43% |
| Q1 2026 | 8.44% |
| Q2 2026 | 8.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $231.2M | 8.40% | 0.00% | 0.58% | 70.8% |
| Q1 2026 | 67 | $225.6M | 8.44% | 0.00% | 0.58% | 72.5% |
| Q4 2025 | 67 | $215.3M | 8.43% | 0.00% | 0.67% | 76.8% |
| Q3 2025 | 64 | $222.8M | 7.97% | 0.00% | 0.49% | 75.0% |
| Q2 2025 | 64 | $217.7M | 8.02% | 0.03% | 0.44% | 77.1% |
| Q1 2025 | 64 | $215.2M | 7.99% | 0.03% | 0.43% | 76.6% |
| Q4 2024 | 62 | $205.4M | 8.26% | 0.03% | 0.10% | 78.1% |
| Q3 2024 | 59 | $219.6M | 7.86% | 0.26% | 0.09% | 70.6% |
| Q2 2024 | 59 | $207.8M | 8.20% | 0.26% | 0.03% | 76.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Home Loan State BankBank Grand Junction, CO | 68 out of 100, Moderate | $235.3M | 7.9% | 0.00% | vs |
| First Pioneer National BankBank Wray, CO | 56 out of 100, Moderate | $243.4M | 12.5% | 2.79% | vs |
| The First National Bank in TrinidadBank Trinidad, CO | 64 out of 100, Moderate | $250.5M | 10.9% | 0.95% | vs |
| Community State BankBank Lamar, CO | 78 out of 100, Strong | $208.1M | 12.5% | 0.90% | vs |
| The Gunnison Bank and Trust CompanyBank Gunnison, CO | 90 out of 100, Very strong | $255.4M | 13.9% | 0.05% | vs |
| Verus Bank of CommerceBank Fort Collins, CO | 84 out of 100, Strong | $202.4M | 18.5% | 0.00% | vs |
Deposit insurance
Is my money safe at The Citizens State Bank of Ouray?
Yes. The Citizens State Bank of Ouray is an FDIC-insured institution (FDIC certificate #1779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($34.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.40%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.97% (benchmark: 10%).
7 locations
Branches
The Citizens State Bank of Ouray lists 7 offices in 7 cities. Most locations:
- Montrose, CO (1)
- Mountain Village, CO (1)
- Naturita, CO (1)
- Ouray, CO (1)
- Ridgway, CO (1)
- Silverton, CO (1)
- Telluride, CO (1)
Identity & history
Profile
- Legal name
- The Citizens State Bank of Ouray
- Type
- State-chartered bank
- FDIC certificate #
- 1779
- RSSD ID
- 98351
- Primary regulator
- FDIC
- Holding company
- Csbo Holdings Inc Esop
- Established
- August 20, 1913
- Headquarters
- 600 Main St, Ouray, CO 81427
- Website
- www.csbcolorado.com
- Employees
- 40
Quick answers
The Citizens State Bank of Ouray: common questions
Is The Citizens State Bank of Ouray FDIC insured?
Yes. The Citizens State Bank of Ouray is an FDIC-insured institution (FDIC certificate #1779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens State Bank of Ouray's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens State Bank of Ouray ever failed?
There is no failure record for FDIC certificate #1779 in the FDIC failed bank list.
How many branches does The Citizens State Bank of Ouray have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ouray
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpine BankBank Glenwood Springs, CO | 73 out of 100, Strong | $6.7B | 11.0% | 0.31% | vs |
| NBH BankBank Greenwood Village, CO | 66 out of 100, Moderate | $12.5B | 10.3% | 0.60% | vs |
| ANB BankBank Denver, CO | 64 out of 100, Moderate | $2.9B | 9.5% | 0.37% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |