# CITIZENS STATE BANK OF OURAY
OURAY, CO · FDIC certificate 1779 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $231.2M | |
| Deposits | $212.3M | |
| Loans and leases | $151.9M | |
| Total equity | $16.2M | |
| Loans / deposits | 70.83% (p45 of band) | 73.59% |
| Liquid assets / assets | 25.67% (p34 of band) | |
| Uninsured deposits / deposits | 16.20% (p36 of band) | 19.81% |
| Brokered deposits | 3.80% | |
| Wholesale funding | 3.80% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.40% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -24.15% (p19 of band) | -6.57% |
| AOCI / equity | -0.26% (p56 of band) | |
| ROA (annualized) | 0.58% (p20 of band) | 1.17% |
| Net interest margin | 4.27% (p67 of band) | 3.93% |
| Efficiency ratio | 83.11% (p83 of band) | |
| Noncurrent loans | 0.00% (p24 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 29880.00% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 82.83% (p91 of band) | |
| Auto loans | $144,000 (0.09% of loans; DQ 4.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 40 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | assets shrinking |  |
| 2014-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 1 |  | assets shrinking, deposits shrinking |
| 2014-12 | 1 | capital falling | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 | reserve under noncurrent | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2017-06 | 3 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2017-09 | 1 |  | losing money, uninsured deposits leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 2 | capital falling, charge-offs p90 | losing money |
| 2020-09 | 1 |  | charge-offs p90 |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | uninsured deposits leaving |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | capital falling, construction >100% equity |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity, capital falling, construction >100% equity |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | construction >100% equity |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2011-10-09 [Raymond Wood Obituary (1935 - 2011) - Denver, CO - Denver Post - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOejg3Wk1reDRGNUxXeEJiRGFLVmNiSjZfRG95SGVVWkluN09KSElCZVVKeUJKVEJRbG9FNU1paDBXY1lZTnl1LUEzbkhGeUl4ZExDNzRwNG9yR2QzeXFqdGFqV0FFYXB0UlFnS1gwX2NDMFR4bUZ0ZEhqMlBtWVRobW0yVm82aEhQeVZReW9xdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1779 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "1779", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide