Side-by-side · Q2 2026 data
The Citizens State Bank of Ouray vs First Pioneer National Bank
Metric by metric
| Measure | The Citizens State Bank of Ouray | First Pioneer National Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 56 |
| Capital cushion | 34 | 75 (stronger) |
| Loan quality | 100 (stronger) | 7 |
| Earnings | 43 | 63 (stronger) |
| Funding & liquidity | 88 (stronger) | 80 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 34th | 13th |
| Total assets | $231.2M | $243.4M |
| Deposits / shares | $212.3M | $205.5M |
| Capital ratio | 8.40% | 12.53% (stronger) |
| Problem loans | 0.00% (stronger) | 2.79% |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 0.58% | 1.08% (stronger) |
| Loans ÷ deposits | 70.8% | 62.8% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 30.8% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens State Bank of Ouray has the higher TellerScore (67 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Ouray leads on 4 and First Pioneer National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.