The Citizens State Bank of Ouray: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.51 percentage points higher than in Q1 2026, at 1098.53%. Within Colorado, The Citizens State Bank of Ouray is 51st of 63 on return on assets, 0.58% as of Q2 2026, below the middle of the field. The Citizens State Bank of Ouray's return on assets of 0.58% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.03% |
| Tier 1 risk-based capital ratio | 12.03% |
| Total risk-based capital ratio | 12.97% |
| Tier 1 leverage ratio | 8.40% |
| Equity capital to assets | 7.00% |
| Tangible equity to tangible assets | 7.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 0.77% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 1098.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 8.30% |
| Net interest margin | 4.31% |
| Efficiency ratio | 82.39% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.53% |
| Core deposits to total deposits | 96.95% |
| Brokered deposits to total deposits | 4.13% |
| Deposits to assets | 91.82% |
| Securities to assets | 9.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.23% | 12.23% | 13.22% | 8.21% | 0.33% |
| Q4 2023 | 12.56% | 12.56% | 13.59% | 8.50% | 0.34% |
| Q1 2024 | 12.03% | 12.03% | 13.02% | 8.65% | 0.19% |
| Q2 2024 | 11.94% | 11.94% | 12.96% | 8.20% | -0.12% |
| Q3 2024 | 11.58% | 11.58% | 12.59% | 7.86% | 0.19% |
| Q4 2024 | 11.52% | 11.52% | 12.52% | 8.26% | 0.15% |
| Q1 2025 | 11.69% | 11.69% | 12.72% | 7.99% | 0.42% |
| Q2 2025 | 11.18% | 11.18% | 12.17% | 8.02% | 0.44% |
| Q3 2025 | 12.04% | 12.04% | 13.08% | 7.97% | 0.60% |
| Q4 2025 | 11.86% | 11.86% | 12.82% | 8.43% | 1.19% |
| Q1 2026 | 12.65% | 12.65% | 13.67% | 8.44% | 0.58% |
| Q2 2026 | 12.03% | 12.03% | 12.97% | 8.40% | 0.58% |
The Citizens State Bank of Ouray vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank of Ouray, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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