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Overview / Commentary
970-325-4478
600 Main Street
Ouray, CO 81427

The Citizens State Bank of Ouray is headquartered in Ouray and is the 71st largest bank in the state of Colorado. It is also the 4,403rd largest bank in the nation. It was established in 1913 and as of September of 2016, it had grown to 27 employees at 4 locations. The Citizens State Bank of Ouray has an A health rating.

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Health
A
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

Overall
FDIC Certificate #1779
Year Established1913
Employees27
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.61%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$99.5MM$93.5MM
LoansQ3 2016vs Q3 2015$28.1MM$28.9MM
DepositsQ3 2016vs Q3 2015$88.1MM$82.9MM
Equity CapitalQ3 2016vs Q3 2015$10.2MM$9.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$72.00K$381.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$97.00K$0
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates

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Locations


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