Wray State Bank

BankWray, Colorado
http://www.wraystatebank.com

Total Assets

$308.9M

Total Deposits

$276.2M

Branches

3

Established

1977

TFS Health Grade

$
D+

68.4 / 100

Below average financial health

How we grade

Wray State Bank is a bank headquartered in Wray, Colorado, established in 1977. With $308.9M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.4/100).

Capital & Safety

Tier 1 Capital Ratio
9.47%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.96%

Profitability

Return on Assets (ROA)
1.25%(1%)
Return on Equity (ROE)
12.59%(10%)
Net Interest Margin
4.05%
Efficiency Ratio
57.24%(60%)

Lending & Liquidity

Total Loans
$212.4M
Loan-to-Deposit Ratio
75.77%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+15.74%
Deposit Growth (YoY)
+15.87%
Net Income
$3.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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