Bank call report · Ouray, CO
The Citizens State Bank of Ouray Call Report
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The Citizens State Bank of Ouray filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 308 reported line items, schedule by schedule (743 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 98351 |
| FDIC certificate number | 1779 |
| Total assets | $231.2M |
Official Q2 2026 call report PDF (FFIEC) →
The Citizens State Bank of Ouray call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · The Citizens State Bank of Ouray balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $231.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $231.2M |
| Total Liabilities and Minority Interest | RCON2948 | $215.0M |
| Total Deposits | RCON2200 | $212.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $151.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $150.4M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $143.3M |
| Deposits: Noninterest-bearing | RCON6631 | $69.0M |
| Interest-bearing Balances | RCON0071 | $32.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $21.6M |
| Total Equity Capital | RCON3210 | $16.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $16.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $15.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $11.6M |
| Surplus | RCON3839 | $7.2M |
| Other Assets | RCON2160 | $5.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.9M |
| Other Liabilities, Total | RCON2930 | $2.7M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.3M |
| Held-to-maturity Securities, Total | RCON1754 | $1.3M |
| Common Stock | RCON3230 | $226K |
Schedule RI: Income Statement (37 items)
About Schedule RI · The Citizens State Bank of Ouray income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $5.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.7M |
| Net Interest Income | RIAD4074 | $4.3M |
| Total Noninterest Expense | RIAD4093 | $4.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.1M |
| Salaries and Employee Benefits | RIAD4135 | $2.1M |
| Total Interest Expense | RIAD4073 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $916K |
| Other Noninterest Expense | RIAD4092 | $825K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $790K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $790K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $650K |
| Net Income (Loss) | RIAD4340 | $650K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $650K |
| Total Noninterest Income | RIAD4079 | $594K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $462K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $411K |
| Other Noninterest Income | RIADB497 | $391K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $203K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $188K |
| Interest on Other Securities | RIAD4060 | $171K |
| Applicable Income Taxes | RIAD4302 | $140K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $76K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $75K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $68K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $40K |
| Income from Lease Financing Receivables | RIAD4065 | $40K |
| Provision for Loan and Lease Losses | RIAD4230 | $29K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $29K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $23K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $11K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $9K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $7K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $7K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 40 |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · The Citizens State Bank of Ouray securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $8.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $7.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Held-to-maturity Amortized Cost | RCONG308 | $395K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Held-to-maturity Fair Value | RCONG309 | $393K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $497K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $489K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $25.4M |
| Pledged Securities | RCON0416 | $15.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $14.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $8.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $4.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.3M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.2M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $989K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $980K |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $902K |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $773K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $559K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $554K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $554K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $489K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $263K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $61K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $61K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · The Citizens State Bank of Ouray loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $151.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $69.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $60.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $48.5M |
| Pledged Loans and Leases | RCONG378 | $44.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $30.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $21.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $17.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $17.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $16.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $16.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $11.4M |
| Commercial and Industrial Loans | RCON1766 | $10.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $9.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $9.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $8.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $8.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $6.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.8M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $1.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $803K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $648K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $506K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $421K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $380K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $261K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $147K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $145K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $144K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $131K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $131K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $21.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $435K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $404K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $218K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $203K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $186K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 66 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 51 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 17 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 16 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 12 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 11 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 3 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
Schedule RC-E: Deposit Liabilities (27 items)
About Schedule RC-E · The Citizens State Bank of Ouray deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $113.7M |
| Total Transaction Accounts | RCON2215 | $98.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $87.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $87.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $69.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $68.6M |
| Total reciprocal deposits | RCONJH83 | $51.8M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $26.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $26.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $24.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $22.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $12.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $10.9M |
| Total Brokered Deposits | RCON2365 | $8.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $7.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $7.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $6.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $5.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $5.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $2.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $981K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $474K |
Schedule RC-F: Other Assets (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.7M |
| Other Assets | RCON2168 | $1.9M |
| Accrued Interest Receivable | RCONB556 | $756K |
| Third Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3551 | $755K |
| Prepaid Expenses | RCON2166 | $612K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $418K |
| Net Deferred Tax Assets | RCON2148 | $370K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $259K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $61K |
Schedule RC-G: Other Liabilities (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $2.5M |
| Operating lease liabilities | RCONLB56 | $1.9M |
| Deferred Compensation Liabilities | RCONC011 | $405K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $162K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $147K |
| Accounts Payable | RCON3066 | $73K |
| Net Deferred Tax Liabilities | RCON3049 | $38K |
| Third Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3554 | $34K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $18K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · The Citizens State Bank of Ouray quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $226.5M |
| Quarterly Average of Total Loans | RCON3360 | $151.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $90.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $82.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $55.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $27.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.6M |
| All Other Securities | RCONB560 | $13.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $10.1M |
| Mortgage-backed Securities | RCONB559 | $8.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $6.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $977K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $614K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $266K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · The Citizens State Bank of Ouray derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Credit Card Lines | RCON3815 | $5.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $4.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $3.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.0M |
| Performance Standby Letters of Credit | RCON3821 | $1.5M |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · The Citizens State Bank of Ouray memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $588K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (6 items)
About Schedule RC-N · The Citizens State Bank of Ouray past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $57K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $54K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $5K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $4K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $3K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · The Citizens State Bank of Ouray other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $226.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $212.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $145.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $64.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $19.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $251K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,033 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 122 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 81 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · The Citizens State Bank of Ouray regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $158.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · The Citizens State Bank of Ouray regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $226.5M |
| Average total consolidated assets | RCOAKW03 | $226.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $158.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $20.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $19.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $19.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $19.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $16.2M |
| Retained Earnings | RCOAKW00 | $11.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.5M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1297 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1203 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1203 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.084 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0497 |
Schedule RC-R, Part II: Risk-Weighted Assets (44 items)
About Schedule RC-R, Part II · The Citizens State Bank of Ouray risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $158.2M |
| Total Risk-weighted Assets | RCONG641 | $158.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $110.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $110.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $103.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $82.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $82.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $71.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $71.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $69.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $69.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $59.4M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $59.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $36.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $36.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $35.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $21.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $21.6M |
| Total All Other Assets | RCOND981 | $21.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $21.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $11.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $9.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $8.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $4.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $4.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$3.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $2.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $2.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $2.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.5M |
| Total Held-to-maturity Securities | RCOND961 | $1.3M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $761K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $761K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $95K |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $60K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $16K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $11K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $5K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $5K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $16.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $15.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $15.6M |
| Other Comprehensive Income | RIADB511 | -$42K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · The Citizens State Bank of Ouray charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $33K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $19K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $14K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · The Citizens State Bank of Ouray changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $33K |
The Citizens State Bank of Ouray call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the The Citizens State Bank of Ouray call report?
The The Citizens State Bank of Ouray call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does The Citizens State Bank of Ouray file?
The Citizens State Bank of Ouray files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the The Citizens State Bank of Ouray call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Citizens State Bank of Ouray has Federal Reserve RSSD ID 98351 and FDIC certificate number 1779. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Citizens State Bank of Ouray file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
The Citizens State Bank of Ouray financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 1779) · FFIEC NIC profile (RSSD 98351)