BlastPoint's Banking Scorecard
The Citizens State Bank of Ouray
Ouray, CO
7 branches across CO
The Citizens State Bank of Ouray has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 42.0% in tier
- - ROA 0.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.6M
+4.8% YoY
+4.8% QoQ
|
-$160.5M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$150.1M
-1.3% YoY
-0.6% QoQ
|
-$105.6M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$207.0M
+4.3% YoY
+5.3% QoQ
|
-$121.0M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.58%
+34.7% YoY
-13.7% QoQ
|
-0.69% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
4.29%
+13.3% YoY
+7.0% QoQ
|
+0.36% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
83.36%
-1.4% YoY
-0.6% QoQ
|
+18.07% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate ? |
0.00%
-86.8% YoY
+0.6% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Top 12.6% in tier |
| Loan-to-Deposit Ratio ? |
72.52%
-5.3% YoY
-5.6% QoQ
|
-4.12% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
34.16%
+6.6% YoY
-1.0% QoQ
|
+12.14% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
Top 11.1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-87.6% YoY
-4.5% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
Top 11.8% in tier |
| Tier 1 Capital Ratio ? |
12.65%
+8.2% YoY
+6.7% QoQ
|
-3.18% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.13%
+3.1% YoY
-75.3% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.