CITIZENS STATE BANK OF OURAY, THE

OURAY, CO | Small | Est. Aug. 20, 1913, midnight | FDIC #1779 | RSSD #98351 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF OURAY, THE is asn small FDIC-insured commercial bank headquartered in OURAY, CO, established in Aug. 20, 1913, midnight. As of 2025-12-31, the bank reported total assets of $215M and total deposits of $197M. Profitability stands at 1.18% ROA and 17.08% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 11.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.04%. FDIC Certificate #1779.

Assets

$215M

Deposits

$197M

Loans

$152M

Equity

$16M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 17.08%
Net Interest Margin (NIM) 4.08%
Yield on Assets 5.34%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.04%
NPA Ratio 0.00%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 11.86%
Tier 1 Capital 11.86%
Total Capital Ratio 12.82%
Leverage Ratio 8.43%
Loan-to-Deposit 77.60%

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