Citizens State Bank of Ouray
Ouray, Colorado · FDIC Cert #1779
Citizens State Bank of Ouray is an FDIC-insured bank (Certificate #1779) with $208M in total assets and $188M in total deposits as of the Q2 2024 Call Report. Headquartered in Ouray, Colorado, the bank maintains a Tier 1 capital ratio of 11.94% (Well-Capitalized) and a nonperforming loan ratio of 0.26%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens State Bank of Ouray (FDIC cert 1779) is a community bank — $208M in total assets, $188M in deposits, serving the Ouray, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.94% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.26% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 23.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.03% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Citizens State Bank of Ouray carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens State Bank of Ouray
- Total Assets
- $208M
- Total Deposits
- $188M
- Tier 1 Capital Ratio
- 11.94%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.26%
- Liquidity Ratio
- 23.25%
- Return on Assets
- 0.03%
- Headquarters
- Ouray, Colorado
- FDIC Certificate
- #1779
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
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.
How Citizens State Bank of Ouray Compares
Citizens State Bank of Ouray’s Health Score of 76 is 5 points above the Colorado state average of 71 across 62 FDIC-insured banks. Its 11.94% Tier 1 capital ratio is 2.1 points below the US banking industry average near 14%. The 0.26% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.03% is below the national ROA benchmark of ~1.1%. Among 1525 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Citizens State Bank of Ouray is 6 points above the portfolio average of 70.
Frequently Asked Questions
Citizens State Bank of Ouray has a Bank Health Score of B (76/100), placing it in solid financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens State Bank of Ouray's Tier 1 capital ratio of 11.94% and nonperforming loan ratio of 0.26% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens State Bank of Ouray is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1779). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens State Bank of Ouray holds $208M in total assets and $188M in total deposits. It is headquartered 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." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens State Bank of Ouray's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.