Side-by-side · Q2 2026 data
The Citizens State Bank of Ouray vs U.S. Bank National Association
Metric by metric
| Measure | The Citizens State Bank of Ouray | U.S. Bank National Association |
|---|---|---|
| TellerScore | 67 (stronger) | 55 |
| Capital cushion | 34 | 45 (stronger) |
| Loan quality | 100 (stronger) | 52 |
| Earnings | 43 | 69 (stronger) |
| Funding & liquidity | 88 (stronger) | 44 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 34th | 6th |
| Total assets | $231.2M | $705.6B |
| Deposits / shares | $212.3M | $541.9B |
| Capital ratio | 8.40% | 9.49% (stronger) |
| Problem loans | 0.00% (stronger) | 1.45% |
| Net charge-offs | 0.04% (stronger) | 0.54% |
| Return on assets | 0.58% | 1.23% (stronger) |
| Loans ÷ deposits | 70.8% (stronger) | 74.9% |
| Uninsured deposits | 16.2% (stronger) | 52.2% |
| Offices | 7 | 2,076 |
| CFPB complaints (3 yrs) | — | 16,475 |
| Complaints per $1B deposits | — | 30.4 |
| Mortgage denial rate (HMDA) | — | 39.5% |
The Citizens State Bank of Ouray has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Citizens State Bank of Ouray leads on 5 and U.S. Bank National Association on 2. 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
- Telluride, CO