Side-by-side · Q2 2026 data
The Citizens State Bank of Ouray vs Home Loan State Bank
Metric by metric
| Measure | The Citizens State Bank of Ouray | Home Loan State Bank |
|---|---|---|
| TellerScore | 67 | 68 (stronger) |
| Capital cushion | 34 (stronger) | 29 |
| Loan quality | 100 | 100 |
| Earnings | 43 | 57 (stronger) |
| Funding & liquidity | 88 (stronger) | 84 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 34th | 37th |
| Total assets | $231.2M | $235.3M |
| Deposits / shares | $212.3M | $215.9M |
| Capital ratio | 8.40% (stronger) | 7.95% |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.58% | 0.93% (stronger) |
| Loans ÷ deposits | 70.8% | 40.9% (stronger) |
| Uninsured deposits | 16.2% (stronger) | 29.9% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Loan State Bank has the higher TellerScore (68 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 Home Loan State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.