Wray State Bank
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Data as of · sourced from FFIEC call reports. How we update
Wray State Bank is an FDIC-insured commercial bank headquartered in Wray, CO, established in 1977 (FDIC certificate 22447), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $312.0M, up 13.9% from Q2 2025, the 34th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22447
- Headquarters
- Wray, CO
- Established
- 1977
- Total assets, Q2 2026
- $312.0M
- Assets vs Q2 2025
- +13.9%
- Tier 1 leverage ratio, Q2 2026
- 9.92%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 102102932
- Latest call report
- Q2 2026, FFIEC 051 · Wray State Bank call report
- Holding company
- HOTC INVESTMENT CO.
- Asset rank in state
- 34th of 63 in Colorado
Wray State Bank, based in Wray, Colorado, reported $312 million in assets at June 30, 2026, up 13.9% from a year earlier. It grew deposits 14.1% over the year, 3.5 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.50% of loans from 5.02%. Its $30 million commercial and industrial book is improving, with 2.82% past due or on nonaccrual, down from 5.99% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.6% of the capital and reserves that would absorb them, 4.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Wray State Bank reported a return on assets of 1.59%, a nonperforming-loan ratio of 1.50% and a Texas ratio of 10.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wray State Bank is the 34th largest of the 63 banks headquartered in Colorado. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $312.0M, loans rose 4.3% and deposits rose 2.8%. Agricultural production loans made up 25.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.7%. The FDIC Summary of Deposits lists 3 offices for it, in Wray, CO, Brush, CO and Windsor, CO; its Wray office books 66% of its branch deposits. On its Q2 2026 call report, Wray State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Clay St, Wray, CO 80758
- County
- Yuma
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 11, 1977
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $277.8M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $308.9M
- Average total loans
- $223.3M
- Average interest-bearing deposits
- $227.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 11, 1977
- FDIC Cert
- 22447
- Fed RSSD
- 541754
- SEC CIK
- 1525359 → filed by HOTC INVESTMENT CO.
- Website
- www.wraystatebank.com →
- Parent Holding Company
- HOTC INVESTMENT CO. (RSSD 3685891)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Wray State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wray State Bank's total assets ranged from $226.0M (Q3 2023) to $312.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$312.0M total assets against $273.8M; $280.5M total liabilities against $246.5M.
$223.0M net loans and leases against $199.6M; $277.8M total deposits against $243.6M.
$63.2M securities against $50.8M; $11.7M cash and balances due against $8.9M.
$4.7M total interest income against $4.2M; $1.6M total interest expense against $1.5M.
$3.1M net interest income against $2.7M.
$227K total noninterest income against $186K; $1.6M total noninterest expense against $1.6M.
$130K provision for credit losses against $90K.
$1.2M net income against $906K.
1.59% return on assets against 1.34%; 4.21% net interest margin against 4.20%.
9.92% tier 1 leverage ratio against 9.99%.
Inside the full Wray State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWray State Bank rankings
Its closest position to the top of a national ranking is 587 of 3,640, for Texas Ratio; its furthest is 2,400 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q4 2024) to 1.59% (Q2 2026) and its net interest margin ran from 3.86% (Q4 2024) to 4.21% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.92% | 1.59% | 1.50% | 10.56% | 4.21% |
| Q1 2026 | 9.69% | 1.15% | 1.16% | 8.01% | 3.99% |
| Q4 2025 | 9.47% | 1.35% | 0.96% | 6.64% | 4.04% |
| Q3 2025 | 10.06% | 1.40% | 1.57% | 10.94% | 4.11% |
| Q2 2025 | 9.99% | 1.34% | 5.02% | 36.53% | 4.20% |
| Q1 2025 | 9.90% | 0.91% | 2.65% | 19.18% | 3.91% |
| Q4 2024 | 9.60% | 0.71% | 2.93% | 21.62% | 3.86% |
| Q3 2024 | 9.55% | 1.31% | 1.35% | 9.45% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wray State Bank (main office) | Wray , CO | 80758 | $183.8M |
| Brush Branch | Brush , CO | 80723 | $50.4M |
| Windsor Branch | Windsor , CO | 80550 | $43.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 58 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5 applications, 3 loans originated, $835K originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wray State Bank
What are Wray State Bank's total assets?
As of the Q2 2026 filing, Wray State Bank reported total assets of $312.0 million in its FFIEC call report.
Where is Wray State Bank headquartered?
It is headquartered in Wray, CO, United States.
When was Wray State Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Wray State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22447). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wray State Bank?
Wray State Bank's primary federal regulator is the FDIC.
How many branches does Wray State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wray State Bank's Texas Ratio?
Its Texas Ratio is 10.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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