Wray State Bank
Wray, CO
IDRSSD: 541754
Total Assets
$308.91M
Latest filing
Total Deposits
$276.17M
Latest filing
Net Interest Margin
4.09%
Profitability
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 36 |
| 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 | 01/30/2026 |
| CERT | 22447 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $308.91M |
| Total Deposits | $276.17M |
| Total Liabilities | $278.75M |
| Total Equity Capital | $30.16M |
| Net Income | $1.02M |
| Net Loans and Leases | $209.26M |
| Assets Per Employee ($Millions) | $8.13M |
| Bank Premises and Fixed Assets | $2.93M |
| Cash and Balances due from Depository Institutions | $29.97M |
| Deposits Held in Domestic Offices | $276.17M |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 13.78% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 53.84% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.764% |
| Earning Assets to total Assets | 94% |
Income and Expense
| Total Interest Income | $4.59M |
| Total Noninterest Income | $172.00k |
| Total Interest Expense | $1.74M |
| Total Noninterest Expense | $1.63M |
| Net Interest Income | $2.85M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $1.29M |
| Total Liabilities and Capital | $308.91M |
Securities
| Securities | $55.52M |
| Available-for-sale debt securities | $55.52M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$308.91M as of the latest filing.
How much are Wray State Bank's total deposits?
$276.17M in total deposits.
Where is Wray State Bank located?
Wray, CO.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
3.
When was it established?
04/11/1977.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$209.26M (latest filing).
What is the total interest income (latest filing)?
$4.59M.