Wray State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.27 percentage points higher than in Q1 2026, at 87.86%. Wray State Bank ranks 33rd of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 81.45% (Q2 2026). At 81.45%, Wray State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.45% |
| Net loans and leases to deposits | 80.25% |
| Loans and leases to core deposits | 92.09% |
| Core deposits to total deposits | 87.86% |
| Brokered deposits to total deposits | 0.59% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.36% | 87.72% | $0 | $1.3M |
| Q4 2023 | 79.08% | 87.30% | $0 | $1.3M |
| Q1 2024 | 80.69% | 86.95% | $0 | $1.3M |
| Q2 2024 | 80.04% | 86.69% | $0 | $1.3M |
| Q3 2024 | 81.92% | 87.98% | $0 | $1.3M |
| Q4 2024 | 80.25% | 89.09% | $0 | $1.3M |
| Q1 2025 | 83.82% | 88.45% | $0 | $1.3M |
| Q2 2025 | 83.21% | 88.42% | $0 | $1.3M |
| Q3 2025 | 80.88% | 87.40% | $0 | $1.3M |
| Q4 2025 | 76.92% | 88.00% | $0 | $1.3M |
| Q1 2026 | 80.28% | 86.58% | $0 | $1.3M |
| Q2 2026 | 81.45% | 87.86% | $0 | $1.3M |
Wray State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wray State Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wray State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22447) · FFIEC NIC profile (RSSD 541754)