The Citizens State Bank of Ouray: how it compares with its peers
Against 34 CO banks with half to twice its assets, The Citizens State Bank of Ouray's strongest measure in Q2 2026 is net interest margin (4.27% vs. a 4.09% peer median). Its weakest relative measure is efficiency ratio (83.11% vs. 67.76%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.58% | 1.11% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 4.09% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.11% | 67.76% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.5M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.83% | 84.24% | Context |
What it means for lending operations
Its efficiency ratio of 83.11% is above the 67.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Home Loan State Bank Grand Junction, CO · $235M
- First Pioneer National Bank Wray, CO · $243M
- The First National Bank in Trinidad Trinidad, CO · $251M
- Community State Bank Lamar, CO · $208M
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- Verus Bank of Commerce Fort Collins, CO · $202M
Questions about The Citizens State Bank of Ouray
How big is The Citizens State Bank of Ouray?
The Citizens State Bank of Ouray, established in 1913, is headquartered in Ouray, CO. It reported $231M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The Citizens State Bank of Ouray's return on assets?
0.58% annualized in Q2 2026, against a 1.11% median for 34 CO banks with half to twice its assets, ahead of 15% of them.
What is The Citizens State Bank of Ouray's efficiency ratio?
83.11% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 67.76%, and lower is better.
Is The Citizens State Bank of Ouray growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits grew 5.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.