Citizens State Bank Of Ouray: Bank Stress & Real-Estate Credit Exposure

At 89/100, Citizens State Bank Of Ouray's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #1779. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

DLRadar maps Citizens State Bank Of Ouray into 4 counties (20 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Colorado (4 counties). Citizens State Bank Of Ouray is held under Csbo Holdings Inc Esop, so its disclosures are public and its stress trajectory is externally verifiable. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The combination of a severe reading and a compact footprint is what makes Citizens State Bank Of Ouray worth watching as a supply signal. Because Citizens State Bank Of Ouray is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 89/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. What separates this from a plain credit rating is the geographic weighting — Citizens State Bank Of Ouray's 89/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Its lending reaches counties such as Montrose County, CO, San Miguel County, CO, Ouray County, CO, San Juan County, CO, each tied back to DLRadar's distress signals. DLRadar does not model Citizens State Bank Of Ouray in isolation: the 20-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Citizens State Bank Of Ouray tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.