CSBO HOLDINGS INC ESOP is the parent banking group. THE CITIZENS STATE BANK OF OURAY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Banking Group

CSBO HOLDINGS INC ESOP

1 active bank · $226M combined assets

RSSD ID: 4933302 (FFIEC NIC)

Combined Assets

$226M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 89% resulted in Outstanding or Satisfactory.

Primary bankTHE CITIZENS STATE BANK OF OURAYOURAY, COSatisfactory$226MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$226M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$207M

Net Income

$319K

ROA (avg)

0.58%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
THE CITIZENS STATE BANK OF OURAY	OURAY, CO	FDIC	$226M	Satisfactory	Mar 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.