The Citizens State Bank of Ouray: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.14 percentage points between Q1 2026 and Q2 2026, to 2.51%. The Citizens State Bank of Ouray ranks 23rd of 63 Colorado banks on net interest margin, in the upper half at 4.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Citizens State Bank of Ouray sits 0.36 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | 6.32% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $613K |
| Interest expense on deposits | $613K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.32% | 1.64% | 2.74% | 4.92% | 2.51% |
| Q4 2023 | 4.87% | 1.64% | 3.19% | 5.22% | 3.28% |
| Q1 2024 | 4.74% | 1.74% | 2.93% | 5.32% | 2.56% |
| Q2 2024 | 4.90% | 1.91% | 2.97% | 5.56% | 2.01% |
| Q3 2024 | 5.02% | 2.04% | 3.03% | 5.67% | 2.43% |
| Q4 2024 | 5.26% | 1.65% | 3.59% | 5.91% | 2.41% |
| Q1 2025 | 5.29% | 1.49% | 3.77% | 5.87% | 2.55% |
| Q2 2025 | 5.19% | 1.45% | 3.75% | 5.96% | 2.15% |
| Q3 2025 | 5.30% | 1.37% | 3.92% | 6.07% | 2.13% |
| Q4 2025 | 5.44% | 1.27% | 4.16% | 6.21% | 2.08% |
| Q1 2026 | 5.48% | 1.14% | 4.31% | 6.22% | 2.37% |
| Q2 2026 | 5.53% | 1.18% | 4.31% | 6.32% | 2.51% |
The Citizens State Bank of Ouray yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank of Ouray, freeSource: Call Report Schedules RI and RC-K, 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)