BlastPoint

BlastPoint's Banking Scorecard

The Citizens State Bank of Ouray

$100M-$1B Specialty: Commercial CO FDIC cert 1779

Ouray, CO

7 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits +5.7% year over year ($212.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.58%.
  • Efficiency ratio 83.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

The Citizens State Bank of Ouray has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.29% above tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 44.3% in tier
  • - ROA 0.74% below tier average
Get updates when The Citizens State Bank of Ouray releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $231.2M
+6.2% YoY +2.5% QoQ
-$155.4M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $150.4M
-2.9% YoY +0.2% QoQ
-$108.0M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $212.3M
+5.7% YoY +2.6% QoQ
-$114.4M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 0.58%
+32.5% YoY +0.3% QoQ
-0.74% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
Bottom 14.4% in tier
Net Interest Margin ? 4.27%
+11.4% YoY -0.5% QoQ
+0.29% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 83.11%
-2.0% YoY -0.3% QoQ
+18.63% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
Bottom 10.7% in tier
Delinquency Rate ? 0.00%
-87.7% YoY -16.8% QoQ
-0.92% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
Top 12.7% in tier
Loan-to-Deposit Ratio ? 70.83%
-8.1% YoY -2.3% QoQ
-7.12% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 32.50%
-3.8% YoY -4.8% QoQ
+10.47% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Top 13.4% in tier
Nonperforming Asset Ratio ? 0.00%
-88.8% YoY -18.7% QoQ
-0.67% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
Top 11.7% in tier
Tier 1 Capital Ratio ? 12.03%
+7.6% YoY -4.9% QoQ
-3.88% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.26%
+1.7% YoY +95.8% QoQ
-0.31% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 32.5%
-1.3pp YoY
-1.7pp QoQ
 +10.4pp 22.1% 23.5% 22.2% 86%
Brokered Deposits 4.1%
-0.6pp YoY
+2.0pp QoQ
 -3.7pp 7.9% 7.4% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 7.0%
+2.6pp YoY
+0.8pp QoQ
 -4.6pp 11.6% 8.4% 12.5% 33%
CRE 41.0%
+2.0pp YoY
+1.0pp QoQ
 +1.5pp 39.5% 42.8% 41.4% 55%
1-4 Family 49.1%
-4.7pp YoY
-2.2pp QoQ
 +16.5pp 32.6% 33.0% 31.3% 81%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -3.6pp 4.1% 3.9% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.8pp YoY
-0.6pp QoQ
 -6.8pp 18.8% 24.9% 19.7% 18%
Leverage Ratio 8.4%
+0.4pp YoY
0.0pp QoQ
 -3.8pp 12.2% 12.5% 12.6% 5%
Total Capital Ratio 13.0%
+0.8pp YoY
-0.7pp QoQ
 -7.0pp 19.9% 26.1% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 40
+5 (+14.3%) YoY
-1 (-2.4%) QoQ
 -19 58 107 482 41%
Assets per Employee ($) $5.8M
-7.1% YoY
+5.1% QoQ
 -$1.7M $7.5M $7.8M $8.8M 29%
Branch Count 7
0 YoY
0 QoQ
 +2 4 7 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 1%
Allowance Coverage 298.80x
+714.9% YoY
+19.2% QoQ
 +274.65x 24.15x 12.16x 20.23x 98%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 8.2%
+1.4pp YoY
+0.1pp QoQ
 -4.0pp 12.2% 9.7% 11.6% 26%
Cost of Funds (YTD) 1.2%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 19%
Net Income ($, YTD) $650,000
+39.5% YoY
— QoQ
 -$1.9M $2.6M $5.4M $40.4M 15%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk
#161 of 361 • Bottom 44.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.11%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

309
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#309 of 2643 Top 11.7% in $100M-$1B
336
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#336 of 2633 Top 12.7% in $100M-$1B
355
Non-Interest-Bearing Deposit Share
funding
Value: 32.50%
Peer Median: 22.03%
#355 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (2 metrics)

2360
Efficiency Ratio
profitability
Value: 83.11%
Peer Median: 64.48%
#2360 of 2643 Bottom 10.7% in $100M-$1B
2263
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.32%
#2263 of 2643 Bottom 14.4% in $100M-$1B
Powered by BlastPoint © 2026