The Citizens State Bank of Ouray is an FDIC insured institution headquartered at
600 Main St, Ouray, CO 81427.
It was founded in
1913 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 1779
Date Established
1913
Assets
$ 215.32 million
Loans
$ 151.00 million
Deposits
$ 196.53 million
Capital
$ 15.57 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 20.31 million
Interest-bearing balances
$ 17.11 million
Total securities
$ 21.96 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 151.00 million
Loan loss allowance
$ 1.50 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 3.92 million
Total Assets
$ 199.75 million
LIABILITIES
Total deposits
$ 196.53 million
Interest-bearing deposits
$ 128.69 million
Deposits held in domestic offices
$ 196.53 million
% insured (estimated)"
83.25%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 0.35 millionn
Total Liabilities
$ 199.75 million
Shareholders’ Equity
$ 15.57 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 10.46 million
Total Interest Expense
$ 2.78 million
Net interest income
$ 7.68 million
Provision for loan and lease losses
$ 0.10 million
Total non interest income
$ 1.14 million
Total non interest expense
$ 7.40 million
Pre-tax Net Operating Income
$ 0.81 million
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