Citizens State Bank Of Ouray (FDIC #1779): Bank Stress & Real-Estate Credit Exposure

Citizens State Bank Of Ouray (FDIC Cert #1779): bank stress 89/100, severe, STABLE over 7 days; parent CSBO HOLDINGS INC ESOP.

Citizens State Bank Of Ouray (#1779) lends in 4 counties across 1 state; Citizens State Bank Of Ouray (#1779) reaches 20 ZIP codes: Colorado 4 counties, 20 ZIPs.

Citizens State Bank Of Ouray (#1779) largest markets: Montrose County, CO (24 branches, 12 ZIPs) (#1779), San Miguel County, CO (14 branches, 7 ZIPs) (#1779), Ouray County, CO (6 branches, 3 ZIPs) (#1779), San Juan County, CO (2 branches, 2 ZIPs) (#1779).

Citizens State Bank Of Ouray (#1779) reports $231.2 million in total assets; Citizens State Bank Of Ouray (#1779) equity $16.2 million (7.0% of Citizens State Bank Of Ouray (#1779) assets); Citizens State Bank Of Ouray (#1779) domestic deposits $212.3 million; Citizens State Bank Of Ouray (#1779) net income $650,000; Citizens State Bank Of Ouray (#1779) return on assets 0.58%; Citizens State Bank Of Ouray (#1779) return on equity 8.21%; Citizens State Bank Of Ouray (#1779) net interest income $4.3 million; Citizens State Bank Of Ouray (#1779) call report June 30, 2026.

Citizens State Bank Of Ouray (#1779) noncurrent real-estate loans 0.03% of its book; Citizens State Bank Of Ouray (#1779) net charge-offs on real estate 0.00%.

Citizens State Bank Of Ouray (#1779) net interest margin 4.27% against an eight-quarter Citizens State Bank Of Ouray (#1779) average of 3.79% (Citizens State Bank Of Ouray (#1779) compression -0.48 points); Citizens State Bank Of Ouray (#1779) real-estate loans 2.7% of equity; Citizens State Bank Of Ouray (#1779) rate-exposure score 40/100, Citizens State Bank Of Ouray (#1779) fixed-rate trap 40/100; Citizens State Bank Of Ouray (#1779) risk type credit driven; Citizens State Bank Of Ouray (#1779) rate regime rates elevated, Citizens State Bank Of Ouray (#1779) snapshot October 19, 2026.

Citizens State Bank Of Ouray (#1779) stress score moved from 88 on June 22, 2026 to 89.5 on October 19, 2026; Citizens State Bank Of Ouray (#1779) ranged 88 to 89.5 over 116 snapshots.

Citizens State Bank Of Ouray (#1779) alerts: 4 counties; top Citizens State Bank Of Ouray (#1779) alert scores: Naturita County, CO 29 (low); Ridgway County, CO 29 (low); Silverton County, CO 29 (low); Telluride County, CO 29 (low).