Side-by-side · Q2 2026 data
The Citizens State Bank of Ouray vs Community State Bank
Metric by metric
| Measure | The Citizens State Bank of Ouray | Community State Bank |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 34 | 75 (stronger) |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 43 | 98 (stronger) |
| Funding & liquidity | 88 (stronger) | 65 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 34th | 72nd |
| Total assets | $231.2M | $208.1M |
| Deposits / shares | $212.3M | $177.6M |
| Capital ratio | 8.40% | 12.54% (stronger) |
| Problem loans | 0.00% (stronger) | 0.90% |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 0.58% | 1.96% (stronger) |
| Loans ÷ deposits | 70.8% (stronger) | 94.5% |
| Uninsured deposits | 16.2% | 15.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Ouray leads on 2 and Community State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.