Side-by-side · Q2 2026 data
The Citizens State Bank of Ouray vs The Gunnison Bank and Trust Company
Metric by metric
| Measure | The Citizens State Bank of Ouray | The Gunnison Bank and Trust Company |
|---|---|---|
| TellerScore | 67 | 90 (stronger) |
| Capital cushion | 34 | 89 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 58 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 34th | 95th |
| Total assets | $231.2M | $255.4M |
| Deposits / shares | $212.3M | $209.8M |
| Capital ratio | 8.40% | 13.86% (stronger) |
| Problem loans | 0.00% (stronger) | 0.05% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.58% | 2.05% (stronger) |
| Loans ÷ deposits | 70.8% (stronger) | 86.5% |
| Uninsured deposits | 16.2% (stronger) | 28.9% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Gunnison Bank and Trust Company has the higher TellerScore (90 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Ouray leads on 3 and The Gunnison Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.