CITIZENS STATE BANK OF OURAY
OURAY, COLORADO · FDIC Cert #1779
Capital & Safety Analysis
According to FDIC financial data, CITIZENS STATE BANK OF OURAY holds a Tier 1 capital ratio of 11.94%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS STATE BANK OF OURAY has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS STATE BANK OF OURAY shows strong financial health indicators. With $208M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS STATE BANK OF OURAY has a Bank Health Score of B (76/100). It holds a Tier 1 capital ratio of 11.94%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS STATE BANK OF OURAY holds $208M in total assets and $188M in total deposits. It is located in OURAY, COLORADO (FDIC Certificate #1779).
CITIZENS STATE BANK OF OURAY has a Tier 1 capital ratio of 11.94%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.26%, and the return on assets is 0.03%.
Yes. CITIZENS STATE BANK OF OURAY is FDIC-insured (Certificate #1779). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.