Total Assets
$215M
Total balance-sheet footings
FDIC Cert #1779 · Ouray, Colorado · Est. 1913
The Citizens State Bank of Ouray - FDIC Bank Health Profile
A community-scale look at The Citizens State Bank of Ouray's own numbers, pulled straight from its quarterly FDIC Call Report.
- $215M
- Total assets
- C
- Health grade · Fair
- 0.67%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
The Citizens State Bank of Ouray earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.86% Tier 1, 0.67% ROA, 84% efficiency ratio.
- #2,920
- largest of 4,313 FDIC banks by assets
- 32nd
- percentile by asset size, nationally
- 11.86%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Citizens State Bank of Ouray's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Citizens State Bank of Ouray's composite health score
Tier 1 Capital Ratio (11.86%) 28/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (83.88%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$197M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Citizens State Bank of Ouray ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens State Bank of Ouray's score of 62/100 falls in the highlighted band.
The Citizens State Bank of Ouray's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens State Bank of Ouray's $215M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.86%
Texas Ratio
0.04%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
10.14%
Efficiency Ratio
83.88%
What the numbers say about The Citizens State Bank of Ouray
The Citizens State Bank of Ouray is an FDIC-insured institution (Certificate #1779) headquartered in Ouray, Colorado, established in 1913. It holds $215M in total assets - 2,920th of 4,313 FDIC-insured banks, $197M in customer deposits, and $151M in net loans. Capital-wise, the Tier 1 ratio sits at 11.86%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.04%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Citizens State Bank of Ouray sits 44th of 65 banks headquartered in Colorado by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$10M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens State Bank of Ouray reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens State Bank of Ouray (FDIC Cert #1779) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is The Citizens State Bank of Ouray's health grade?▼
The Citizens State Bank of Ouray receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Citizens State Bank of Ouray?▼
The Citizens State Bank of Ouray holds $215M in total assets and $197M in deposits, ranking 2,920th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ouray, Colorado.
Is my money safe at The Citizens State Bank of Ouray?▼
Yes, deposits at The Citizens State Bank of Ouray (Certificate #1779) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens State Bank of Ouray's Tier 1 Capital Ratio?▼
The Citizens State Bank of Ouray has a Tier 1 Capital Ratio of 11.86%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Citizens State Bank of Ouray?▼
The Citizens State Bank of Ouray has a Texas Ratio of 0.04%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Citizens State Bank of Ouray?▼
The Citizens State Bank of Ouray has an Efficiency Ratio of 83.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens State Bank of Ouray's profile as a depositor or analyst.
- The Citizens State Bank of Ouray's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens State Bank of Ouray against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.