The Citizens State Bank of Ouray
Ouray, CO
IDRSSD: 98351
Total Assets
$222.81M
Latest filing
Total Deposits
$205.08M
Latest filing
Net Interest Margin
4.06%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens State Bank of Ouray
600 Main St
Ouray, CO 81427
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/20/1913FDIC Certificate 1177
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens State Bank of Ouray (Main) | 600 Main St | Ouray, CO |
| MONTROSE BRANCH | 115 Highway 97 | Naturita, CO |
| RIDGWAY BRANCH | State Highway 62 | Ridgway, CO |
| SILVERTON BRANCH | 1129 Greene St | Silverton, CO |
| TELLURIDE BRANCH | 215 W San Juan Ave | Telluride, CO |
| MOUNTAIN VILLAGE BRANCH | 113 Lost Creek Lane | Mountain Village, CO |
| MONTROSE BRANCH | 401 E Main Street | Montrose, CO |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/20/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 81427 |
| State and County Number | 08091 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Montrose, CO |
Operational Info
| Number of Employees | 35 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csbcolorado.com |
| Data Updated | 11/14/2025 |
| CERT | 1779 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $222.81M |
| Total Deposits | $205.08M |
| Total Liabilities | $208.08M |
| Total Equity Capital | $14.73M |
| Net Income | $331.00k |
| Net Loans and Leases | $153.75M |
| Assets Per Employee ($Millions) | $5.86M |
| Bank Premises and Fixed Assets | $16.56M |
| Cash and Balances due from Depository Institutions | $22.80M |
| Deposits Held in Domestic Offices | $205.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.6% |
| Return on Equity (ROE) | 9.25% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 81.35% |
| Tier 1 Risk-Based Capital Ratio | 12.039% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.612% |
| Earning Assets to total Assets | 88.81% |
Income and Expense
| Total Interest Income | $2.69M |
| Total Noninterest Income | $308.00k |
| Total Interest Expense | $701.00k |
| Total Noninterest Expense | $1.87M |
| Net Interest Income | $1.99M |
| Pre-tax Net Operating Income | $414.00k |
| Provision for Credit Losses | $14.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.99M |
| Total Liabilities and Capital | $222.81M |
Securities
| Securities | $25.20M |
| Available-for-sale debt securities | $23.48M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.73M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens State Bank of Ouray?
$222.81M as of the latest filing.
How much are The Citizens State Bank of Ouray's total deposits?
$205.08M in total deposits.
Where is The Citizens State Bank of Ouray located?
Ouray, CO.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
7.
When was it established?
08/20/1913.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$153.75M (latest filing).
What is the total interest income (latest filing)?
$2.69M.