Bank · FDIC insured
Citizens State Bank
A $231.2M bank headquartered in Ouray, CO, with 7 branches in Colorado.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank
Founded in Ouray in 1913, Citizens State Bank is a locally owned and operated community bank serving Colorado.
The bank has grown across the Western Slope with branch locations in Ouray, Ridgway, Silverton, Naturita, Telluride, and Montrose.
- Headquarters
- 600 Main St, Ouray, CO 81427
- FDIC certificate
- 1779 ↗
Branches
7 branches in Colorado
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Colorado
7 branches
Montrose area · 2
- Montrose Branch401 E Main Street, Montrose, CO 81401Directions
- Montrose Branch115 Highway 97, Naturita, CO 81422Directions
Ouray area · 1
- The Citizens State Bank of OurayMain office600 Main St, Ouray, CO 81427Directions
Mountain Village area · 1
- Mountain Village Branch113 Lost Creek Lane, Mountain Village, CO 81435Directions
Ridgway area · 1
- Ridgway BranchState Highway 62, Ridgway, CO 81432Directions
Silverton area · 1
- Silverton Branch1129 Greene St, Silverton, CO 81433Directions
Telluride area · 1
- Telluride Branch215 W San Juan Ave, Telluride, CO 81435Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.40% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.58% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio8.40%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.58%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.