Wray State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.17 percentage points in Q2 2026, from 80.28% to 81.45%. It was the largest change from Q1 2026 among the key lines here. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.3M |
| Net loans and leases | $223.0M |
| Loans held for sale | $0 |
| Loans to total assets | 72.54% |
| Loan-to-deposit ratio | 81.45% |
| Net loans to equity capital | 7.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.85% |
| Multifamily (5+ residential) | 0.37% |
| Commercial and industrial | 13.09% |
| Consumer | 6.31% |
| Credit cards | 0.00% |
| Farm | 15.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.97% |
| Construction concentration (Tier 1 capital + allowance) | 36.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.17% |
| Interest income on loans | $4.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $172.1M | $201.6M | 10.10% | 11.86% | 7.60% |
| Q4 2023 | $174.4M | $220.5M | 10.09% | 12.77% | 7.75% |
| Q1 2024 | $180.8M | $224.0M | 9.66% | 13.10% | 7.65% |
| Q2 2024 | $187.8M | $234.6M | 9.24% | 13.30% | 7.36% |
| Q3 2024 | $188.6M | $230.3M | 9.57% | 13.28% | 7.40% |
| Q4 2024 | $191.3M | $238.3M | 10.48% | 13.15% | 7.46% |
| Q1 2025 | $196.1M | $234.0M | 10.33% | 13.91% | 7.22% |
| Q2 2025 | $202.7M | $243.6M | 9.62% | 13.38% | 7.06% |
| Q3 2025 | $205.8M | $254.4M | 9.66% | 13.83% | 6.83% |
| Q4 2025 | $212.4M | $276.2M | 10.19% | 13.61% | 6.69% |
| Q1 2026 | $217.0M | $270.3M | 10.13% | 13.42% | 6.25% |
| Q2 2026 | $226.3M | $277.8M | 9.85% | 13.09% | 6.31% |
Wray State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wray State Bank, freeSource: Call Report Schedule RC-C, 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)