BanksWRAY STATE BANK

WRAY STATE BANK

WRAY, COSmallEst. April 11, 1977, midnightFDIC #22447RSSD #541754FDIC
Latest · 2025-12-31

WRAY STATE BANK is an 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%. CET1 capital ratio: 9.00%. NPL ratio: 0.57% · Texas Ratio: 3.63%. Operates 3 domestic branches.

Assets
$309M
Deposits
$276M
Loans
$212M
Equity
$30M

Profitability

Return on Assets (ROA)1.37%
Return on Equity (ROE)13.78%
Net Interest Margin4.16%
Yield on Assets6.70%
Cost of Funds2.61%

Asset Quality

NPL Ratio0.57%
Net Charge-Off Ratio0.04%
Texas Ratio3.63%
NPA Ratio0.39%
ACL / Loans1.49%

Capital & Liquidity

CET1 Ratio9.00%
Tier 1 Capital9.00%
Total Capital Ratio9.45%
Leverage Ratio9.47%
Loan-to-Deposit76.92%

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