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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 72nd largest bank in the state of Colorado. It is also the 4,467th largest bank in the nation. It was established in 1913 and as of June 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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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 - YTD-0.12%
Return on Equity - YTD-1.15%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$97.7MM$90.6MM
LoansQ2 2016vs Q2 2015$28.8MM$30.7MM
DepositsQ2 2016vs Q2 2015$86.2MM$80.3MM
Equity CapitalQ2 2016vs Q2 2015$10.3MM$9.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$101.00K$398.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$0
Real Estate OwnedQ2 2016vs Q2 2015$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