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Wray State Bank

IDRSSD: 541754
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ -13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #541754 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -13 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -28
  • Reserves
    ↓ -28

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 78.9%, cash 5.0% of assets.

Cash / Assets
5.02%
Loans / Deposits
78.87%
Brokered %
2.17%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.14%
No watch items at this period.

Capitalization

StrongQoQ -6
90
Sub-score

Capital position is strong: Tier 1 RBC 13.36%, CET1 13.36%, leverage 9.36%.

Tier 1 RBC
13.36%
CET1
13.36%
Leverage
9.36%
No watch items at this period.

Asset Quality

StableQoQ -28
67
Sub-score

Asset quality is stable: Adjusted NPL 1.62%, Texas Ratio 11.1%, NCO YTD 0.09%.

Adjusted NPL
1.62%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
0.09%
30-89 PD
2.92%
Band 0.3% / 3.0%
90+ PD
0.91%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -28
68
Sub-score

Reserves are stable: ALLL 1.46% of loans, coverage 91.8%, true coverage 86.1%.

ALLL / Loans
1.46%
Coverage
91.8%
True Loss Coverage
86.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:15:17 UTC