Wray State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wray State Bank of Wray, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 15.79% | 13.31% | +2.48% | 70th above |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 47.54% | 61.14% | -13.60% | 85th top |
| PPNR / Avg Assets | 2.23% | 1.68% | +0.55% | 81st top |
| Yield on Earning Assets | 6.41% | 5.67% | +0.74% | 84th top |
| Cost of Funds | 2.34% | 1.88% | +0.46% | 20th bottom |
| Net Interest Spread | 3.56% | 3.32% | +0.24% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.86% | 0.94% | -0.08% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.70% | -0.08% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 22nd bottom |
| ACL / Total Loans | 1.48% | 1.28% | +0.20% | 77th top |
| ACL / NPLs (Coverage) | 172.53% | 1539.12% | -1366.59% | 44th below |
| Texas Ratio | 11.09% | 7.33% | +3.76% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 488.89% | 1395.91% | -907.02% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.92% | 12.14% | -2.22% | 29th below |
| Equity / Assets | 10.08% | 11.37% | -1.29% | 46th below |
| TCE / Tangible Assets | 9.33% | 11.09% | -1.76% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.45% | 80.64% | +0.81% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.86% | 86.86% | +1.00% | 43rd below |
| Wholesale Funding Ratio | 0.42% | 5.04% | -4.62% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.93% | 6.85% | +7.08% | 90th top |
| Loan Growth (Y/Y) | 11.66% | 7.90% | +3.76% | 78th top |
| Deposit Growth (Y/Y) | 14.07% | 6.29% | +7.78% | 90th top |
See Wray State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wray State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wray State Bank profile, how to read a UBPR, or how this data updates.