Total Assets
$231.2M
Total Deposits
$212.3M
Branches
7
Established
1913
The Citizens State Bank of Ouray is a bank headquartered in Ouray, Colorado, established in 1913. It holds $231.2M in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Citizens State Bank of Ouray earns a TFS Financial Health Grade of C+ (72.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
72.0 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Citizens State Bank of OurayHQ | 600 Main St | Ouray | CO | 11 |
| The Citizens State Bank of Ouray | 401 E Main Street | Montrose | CO | 11 |
| The Citizens State Bank of Ouray | 113 Lost Creek Lane | Mountain Village | CO | 11 |
| The Citizens State Bank of Ouray | 115 Highway 97 | Naturita | CO | 11 |
| The Citizens State Bank of Ouray | State Highway 62 | Ridgway | CO | 11 |
| The Citizens State Bank of Ouray | 1129 Greene St | Silverton | CO | 11 |
| The Citizens State Bank of Ouray | 215 W San Juan Ave | Telluride | CO | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
72.0
Tier 1 capital ratio
8.40%
Return on assets
0.58%
Non-performing loans
0.00%
Efficiency ratio
83.11%
Asset growth (YoY)
6.22%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.