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

Citizens State Bank (CO) is headquartered in Ouray and is the 68th largest bank in the state of Colorado. It is also the 4,268th largest bank in the nation. It was established in 1913 and as of December of 2017, it had grown to 25 employees at 4 locations. Citizens State Bank (CO) has an A 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. Citizens State Bank (CO) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #1779
Year Established1913
Employees25
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.48%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$99.7MM$93.8MM
LoansQ4 2017vs Q4 2016$40.7MM$28.0MM
DepositsQ4 2017vs Q4 2016$88.2MM$83.0MM
Equity CapitalQ4 2017vs Q4 2016$9.6MM$9.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$222.00K$67.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$0$451.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates

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Locations


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

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