The Citizens State Bank of Ouray: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.55 percentage points higher than in Q1 2026, at 216.08%. Within Colorado, The Citizens State Bank of Ouray is 43rd of 63 on loan-to-deposit ratio, 71.53% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens State Bank of Ouray sits 9.31 points lower, at 71.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.9M |
| Net loans and leases | $150.4M |
| Loans held for sale | $0 |
| Loans to total assets | 65.68% |
| Loan-to-deposit ratio | 71.53% |
| Net loans to equity capital | 9.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.25% |
| Multifamily (5+ residential) | 0.53% |
| Commercial and industrial | 6.93% |
| Consumer | 0.54% |
| Credit cards | 0.10% |
| Farm | 1.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.08% |
| Construction concentration (Tier 1 capital + allowance) | 65.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.32% |
| Interest income on loans | $2.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $133.2M | $192.3M | 30.64% | 2.15% | 0.86% |
| Q4 2023 | $136.3M | $178.6M | 27.88% | 1.87% | 0.78% |
| Q1 2024 | $140.4M | $187.7M | 28.25% | 2.34% | 0.74% |
| Q2 2024 | $144.9M | $187.7M | 28.99% | 2.36% | 0.67% |
| Q3 2024 | $146.1M | $204.8M | 26.72% | 3.07% | 0.71% |
| Q4 2024 | $149.1M | $189.0M | 26.73% | 2.78% | 0.69% |
| Q1 2025 | $153.5M | $198.5M | 25.76% | 4.29% | 0.68% |
| Q2 2025 | $156.3M | $200.9M | 27.24% | 4.31% | 0.58% |
| Q3 2025 | $155.3M | $205.1M | 27.42% | 4.61% | 0.66% |
| Q4 2025 | $152.5M | $196.5M | 29.06% | 5.43% | 0.57% |
| Q1 2026 | $151.6M | $207.0M | 30.72% | 6.18% | 0.55% |
| Q2 2026 | $151.9M | $212.3M | 31.25% | 6.93% | 0.54% |
The Citizens State Bank of Ouray loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank of Ouray, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens State Bank of Ouray profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1779) · FFIEC NIC profile (RSSD 98351)