Wray State Bank
Wray, CO
IDRSSD: 541754
Total Assets
$286.46M
Latest filing
Total Deposits
$254.44M
Latest filing
Net Interest Margin
4.06%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Wray State Bank
300 Clay St
Wray, CO 80758
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/11/1977FDIC Certificate 15645
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Wray State Bank (Main) | 300 Clay St | Wray, CO |
| WINDSOR BRANCH | 1130 Main St | Windsor, CO |
| BRUSH BRANCH | 731 Edison St | Brush, CO |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Pioneer National Bank
Wray, Colorado
→
Assets: $237.73MΔ -13.2%
North Valley Bank
Thornton, Colorado
→
Assets: $264.91MΔ -3.3%
The First National Bank in Trinidad
Trinidad, Colorado
→
Assets: $264.76MΔ -3.3%
The Colorado Bank and Trust Company of La Junta
La Junta, Colorado
→
Assets: $260.18MΔ -5.0%
Redstone Bank
Centennial, Colorado
→
Assets: $259.19MΔ -5.4%
First American State Bank
Greenwood Village, Colorado
→
Assets: $292.36MΔ +6.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/11/1977 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 80758 |
| State and County Number | 08125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/11/1977 |
| Primary Insurance Agency | DIF |
| Website | http://www.wraystatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 22447 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $286.46M |
| Total Deposits | $254.44M |
| Total Liabilities | $257.42M |
| Total Equity Capital | $29.04M |
| Net Income | $969.00k |
| Net Loans and Leases | $202.68M |
| Assets Per Employee ($Millions) | $7.96M |
| Bank Premises and Fixed Assets | $2.96M |
| Cash and Balances due from Depository Institutions | $16.35M |
| Deposits Held in Domestic Offices | $254.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 13.74% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 54.21% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.139% |
| Earning Assets to total Assets | 93.19% |
Income and Expense
| Total Interest Income | $4.30M |
| Total Noninterest Income | $244.00k |
| Total Interest Expense | $1.65M |
| Total Noninterest Expense | $1.57M |
| Net Interest Income | $2.65M |
| Pre-tax Net Operating Income | $1.23M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.68M |
| Total Liabilities and Capital | $286.46M |
Securities
| Securities | $53.17M |
| Available-for-sale debt securities | $51.36M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Wray State Bank?
$286.46M as of the latest filing.
How much are Wray State Bank's total deposits?
$254.44M in total deposits.
Where is Wray State Bank located?
Wray, CO.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
3.
When was it established?
04/11/1977.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$202.68M (latest filing).
What is the total interest income (latest filing)?
$4.30M.