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Overview / Commentary
600 Main Street
Ouray, CO 81427

The Citizens State Bank of Ouray is headquartered in Ouray and is the 74th largest bank in the state of Colorado. It is also the 4,686th largest bank in the nation. It was established in 1913 and as of December of 2015, it had grown to 24 employees at 4 locations. The Citizens State Bank of Ouray has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Citizens State Bank of Ouray has a relatively low asset base.

Health Grade Components

FDIC Certificate #1779
Year Established1913
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD4.08%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$90.5MM$89.3MM
LoansQ4 2015vs Q4 2014$27.6MM$28.1MM
DepositsQ4 2015vs Q4 2014$80.3MM$79.3MM
Equity CapitalQ4 2015vs Q4 2014$9.6MM$9.5MM
Loan Loss AllowanceQ4 2015vs Q4 2014$364.00K$409.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$0$0
Real Estate OwnedQ4 2015vs Q4 2014$0$0

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The Citizens State Bank of Ouray Locations
Silverton Branch1218 Greene StreetSilverton, CO 81433
The Citizens State Bank Of Ouray600 Main StreetOuray, CO 81427
Ridgway BranchState Highway 62Ridgway, CO 81432
Montrose Branch115 Highway 97Naturita, CO 81422