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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 75th largest bank in the state of Colorado. It is also the 4,490th largest bank in the nation. It was established in 1913 and as of March of 2017, it had grown to 27 employees at 4 locations. The Citizens State Bank of Ouray has a B health rating.

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Health
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-0.01%
Return on Equity - YTD-0.13%
Annual Interest Income$596.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$92.3MM$103.5MM
LoansQ1 2017vs Q1 2016$28.0MM$27.5MM
DepositsQ1 2017vs Q1 2016$81.4MM$92.1MM
Equity CapitalQ1 2017vs Q1 2016$9.5MM$9.6MM
Loan Loss AllowanceQ1 2017vs Q1 2016$71.00K$45.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$448.00K$0
Real Estate OwnedQ1 2017vs Q1 2016$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