The Citizens State Bank of Ouray: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens State Bank of Ouray of Ouray, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.58% | 1.34% | -0.76% | 16th bottom |
| ROAE | 8.30% | 13.32% | -5.02% | 27th below |
| Net Interest Margin | 4.31% | 3.93% | +0.38% | 71st above |
| Efficiency Ratio | 82.39% | 61.13% | +21.26% | 11th bottom |
| PPNR / Avg Assets | 0.74% | 1.68% | -0.94% | 13th bottom |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 47th below |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 3.78% | 3.32% | +0.46% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) | 1098.53% | 1538.78% | -440.25% | — |
| Texas Ratio | 0.77% | 7.33% | -6.56% | 76th top |
| Provision / NCO | 90.62% | 1395.93% | -1305.31% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.03% | 19.50% | -7.47% | 18th bottom |
| Tier 1 Ratio | 12.03% | 19.54% | -7.51% | 18th bottom |
| Total Capital Ratio | 12.97% | 20.62% | -7.65% | 16th bottom |
| Leverage Ratio | 8.40% | 12.14% | -3.74% | 5th bottom |
| Equity / Assets | 7.00% | 11.38% | -4.38% | 6th bottom |
| TCE / Tangible Assets | 7.00% | 11.09% | -4.09% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.53% | 80.64% | -9.11% | 68th above |
| Core Deposit Ratio | 96.95% | 86.86% | +10.09% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.22% | 6.85% | -0.63% | 64th above |
| Loan Growth (Y/Y) | -2.88% | 7.91% | -10.79% | 12th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.67% | 6.29% | -0.62% | 62nd above |
See The Citizens State Bank of Ouray's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens State Bank of Ouray, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens State Bank of Ouray profile, how to read a UBPR, or how this data updates.