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Overview / Commentary
600 Main Street
Ouray, CO 81427

Citizens State Bank (CO) is headquartered in Ouray and is the 74th largest bank in the state of Colorado. It is also the 4,445th largest bank in the nation. It was established in 1913 and as of June of 2017, it had grown to 26 employees at 4 locations. Citizens State Bank (CO) 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. Citizens State Bank (CO) has a relatively low asset base.

Health Grade Components

FDIC Certificate #1779
Year Established1913
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.29%
Return on Equity - YTD-2.9%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$93.1MM$97.7MM
LoansQ2 2017vs Q2 2016$34.8MM$28.8MM
DepositsQ2 2017vs Q2 2016$82.3MM$86.2MM
Equity CapitalQ2 2017vs Q2 2016$9.4MM$9.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$219.00K$101.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$0$0
Real Estate OwnedQ2 2017vs Q2 2016$0$0

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Citizens State Bank (CO) 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