WRAY STATE BANK

WRAY, CO | Small | Est. April 11, 1977, midnight | FDIC #22447 | RSSD #541754 | FDIC
Latest Report: 2025-12-31

WRAY STATE BANK is asn small FDIC-insured commercial bank headquartered in WRAY, CO, established in April 11, 1977, midnight. As of 2025-12-31, the bank reported total assets of $309M and total deposits of $276M. Profitability stands at 1.37% ROA and 13.78% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 8.23%. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 3.63%. FDIC Certificate #22447.

Assets

$309M

Deposits

$276M

Loans

$212M

Equity

$30M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 13.78%
Net Interest Margin (NIM) 4.16%
Yield on Assets 6.70%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.04%
Texas Ratio 3.63%
NPA Ratio 0.39%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 8.23%
Tier 1 Capital 8.23%
Total Capital Ratio 8.64%
Leverage Ratio 9.47%
Loan-to-Deposit 76.92%

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