Side-by-side · Q2 2026 data
The Citizens State Bank of Ouray vs Alpine Bank
Metric by metric
| Measure | The Citizens State Bank of Ouray | Alpine Bank |
|---|---|---|
| TellerScore | 67 | 73 (stronger) |
| Capital cushion | 34 | 60 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 43 | 72 (stronger) |
| Funding & liquidity | 88 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 34th | 70th |
| Total assets | $231.2M | $6.7B |
| Deposits / shares | $212.3M | $5.9B |
| Capital ratio | 8.40% | 11.02% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.04% (stronger) | 0.12% |
| Return on assets | 0.58% | 1.29% (stronger) |
| Loans ÷ deposits | 70.8% (stronger) | 75.0% |
| Uninsured deposits | 16.2% (stronger) | 38.5% |
| Offices | 7 | 40 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.2% |
Alpine Bank has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Ouray leads on 4 and Alpine Bank on 3. 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
- Montrose, CO
- Ouray, CO
- Ridgway, CO
- Telluride, CO