The Citizens State Bank of Ouray
Also written as CSB of Ouray
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Data as of · sourced from FFIEC call reports. How we update
The Citizens State Bank of Ouray is an FDIC-insured commercial bank headquartered in Ouray, CO, established in 1913 (FDIC certificate 1779), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $231.2M, up 6.2% from Q2 2025, the 43rd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 12.03% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1779
- Headquarters
- Ouray, CO
- Established
- 1913
- Total assets, Q2 2026
- $231.2M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 12.03%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 102103258
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens State Bank of Ouray Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- CSBO HOLDINGS, INC.
- Asset rank in state
- 43rd of 63 in Colorado
The Citizens State Bank of Ouray operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $231 million at June 30, 2026, up 6.2% from a year earlier; it is based in Ouray, Colorado. It funds 8.40% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). It also spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $331,000, 38% above the same quarter a year earlier. Over the same year, loans shrank 2.9% and deposits grew 5.7%. Profitability lags: it earns about $0.58 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, The Citizens State Bank of Ouray reported a CET1 capital ratio of 12.03%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
The Citizens State Bank of Ouray ranks as the 43rd largest of the 63 banks based in Colorado, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $231.2M, loans rose 0.2% and deposits rose 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 48.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.8%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in CO; its Ouray office books 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens State Bank of Ouray meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 Main St, Ouray, CO 81427
- County
- Ouray
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 20, 1913
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $212.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $226.5M
- Average total loans
- $151.4M
- Average interest-bearing deposits
- $138.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1779
- Fed RSSD
- 98351
- Website
- www.csbcolorado.com →
- Parent Holding Company
- CSBO HOLDINGS, INC. (RSSD 4897721)
- Ultimate Parent
- RSSD 4933302
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Citizens State Bank of Ouray's total assets moved between a low of $192.5M (Q4 2023) and a high of $231.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$231.2M total assets against $217.7M; $215.0M total liabilities against $203.8M.
$150.4M net loans and leases against $154.8M; $212.3M total deposits against $200.9M.
$22.9M securities against $25.9M; $36.4M cash and balances due against $16.2M.
$2.8M total interest income against $2.6M; $613K total interest expense against $722K.
$2.2M net interest income against $1.9M.
$298K total noninterest income against $276K; $2.0M total noninterest expense against $1.8M.
$20K provision for credit losses against $30K.
$331K net income against $240K.
0.58% return on assets against 0.44%; 4.31% net interest margin against 3.75%.
12.03% CET1 capital ratio against 11.18%; 8.40% tier 1 leverage ratio against 8.02%.
Inside the full The Citizens State Bank of Ouray terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Citizens State Bank of Ouray rankings
Its closest position to the top of a national ranking is 2,795 of 4,196, for total assets; its furthest is 3,312 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q4 2024) to 1.19% (Q4 2025) and its net interest margin ran from 3.03% (Q3 2024) to 4.31% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.03% | 0.58% | 0.00% | 0.03% | 4.31% |
| Q1 2026 | 12.65% | 0.58% | 0.00% | 0.03% | 4.31% |
| Q4 2025 | 11.86% | 1.19% | 0.00% | 0.04% | 4.16% |
| Q3 2025 | 12.04% | 0.60% | 0.00% | 0.04% | 3.92% |
| Q2 2025 | 11.18% | 0.44% | 0.03% | 0.27% | 3.75% |
| Q1 2025 | 11.69% | 0.42% | 0.03% | 0.30% | 3.77% |
| Q4 2024 | 11.52% | 0.15% | 0.03% | 0.26% | 3.59% |
| Q3 2024 | 11.58% | 0.19% | 0.26% | 2.46% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens State Bank of Ouray | Ouray , CO | 81427 | $49.3M |
| Montrose Branch | Naturita , CO | 81422 | $47.8M |
| Ridgway Branch | Ridgway , CO | 81432 | $33.6M |
| Montrose Branch | Montrose , CO | 81401 | $29.9M |
| Silverton Branch | Silverton , CO | 81433 | $25.8M |
| Telluride Branch | Telluride , CO | 81435 | $19.7M |
| Mountain Village Branch | Mountain Village , CO | 81435 | $6.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 18, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 1994 | Structure Change | Acquired The Montrose County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 70 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens State Bank of Ouray
What are The Citizens State Bank of Ouray's total assets?
As of the Q2 2026 filing, The Citizens State Bank of Ouray reported total assets of $231.2 million in its FFIEC call report.
Where is The Citizens State Bank of Ouray headquartered?
It is headquartered in Ouray, CO, United States.
When was The Citizens State Bank of Ouray founded?
It was established in 1913, per the FDIC institution directory.
Is The Citizens State Bank of Ouray FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1779). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens State Bank of Ouray?
The Citizens State Bank of Ouray's primary federal regulator is the FDIC.
What is The Citizens State Bank of Ouray's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.03% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Citizens State Bank of Ouray operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens State Bank of Ouray's Texas Ratio?
Its Texas Ratio is 0.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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