Side-by-side · Q2 2026 data
JPMorgan Chase Bank, National Association vs The Citizens State Bank of Ouray
Metric by metric
| Measure | JPMorgan Chase Bank, National Association | The Citizens State Bank of Ouray |
|---|---|---|
| TellerScore | 61 | 67 (stronger) |
| Capital cushion | 25 | 34 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 83 (stronger) | 43 |
| Funding & liquidity | 62 | 88 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 45th | 34th |
| Total assets | $4.1T | $231.2M |
| Deposits / shares | $2.8T | $212.3M |
| Capital ratio | 7.49% | 8.40% (stronger) |
| Problem loans | 0.78% | 0.00% (stronger) |
| Net charge-offs | 0.61% | 0.04% (stronger) |
| Return on assets | 1.59% (stronger) | 0.58% |
| Loans ÷ deposits | 54.4% (stronger) | 70.8% |
| Uninsured deposits | 49.4% | 16.2% (stronger) |
| Offices | 5,345 | 7 |
| CFPB complaints (3 yrs) | 68,277 | — |
| Complaints per $1B deposits | 24.2 | — |
| Mortgage denial rate (HMDA) | 14.1% | — |
The Citizens State Bank of Ouray has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), JPMorgan Chase Bank, National Association leads on 2 and The Citizens State Bank of Ouray on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Telluride, CO