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Wray State Bank
Wray, CO · FDIC Certificate #22447 · Chartered 04/1
Total assets
$311.98M
Total deposits
$277.84M
Total equity
$31.44M
Net loans
$222.96M
Branches (offices)
3
Net income (YTD)
$2.11M
Rank: #2,410 of 4,213 U.S. banks by assets · #34 of 63 in Colorado. Assets changed 13.9% and deposits 14.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 13.68% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 10.08% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 20.6% |
| Noncurrent loans (share of loans) | 1.50% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 55.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $123.60M | 55.4% | |
| Commercial & industrial | $29.62M | 13.3% | |
| Consumer / individual | $14.29M | 6.4% | |
| Construction & development | $12.22M | 5.5% | |
| Agricultural | $57.11M | 25.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $195.11M | $173.19M | $832.00K | $20.00M |
| Jun 2023 | $213.75M | $187.46M | $1.70M | $22.14M |
| Jun 2024 | $262.20M | $234.57M | $1.54M | $24.81M |
| Jun 2025 | $273.85M | $243.57M | $1.51M | $27.37M |
| Jun 2026 | $311.98M | $277.84M | $2.11M | $31.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $277.84M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $277.84M.
Similar-sized banks
Goppert Financial Bank ($312.04M) · Bank Of Millbrook ($311.67M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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