Wray State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.62 percentage points to 2.46%. Wray State Bank ranks 26th of 63 Colorado banks on net interest margin, in the upper half at 4.21% (Q2 2026). Wray State Bank reported 4.21% on net interest margin for Q2 2026, 0.26 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 7.17% |
| Yield on securities | 4.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 2.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.94% | 2.41% | 3.67% | 6.60% | 2.77% |
| Q4 2023 | 6.21% | 2.72% | 3.58% | 6.78% | 3.16% |
| Q1 2024 | 6.89% | 2.83% | 4.19% | 7.81% | 3.56% |
| Q2 2024 | 6.42% | 2.96% | 3.63% | 7.21% | 3.75% |
| Q3 2024 | 6.63% | 2.91% | 3.88% | 7.40% | 3.97% |
| Q4 2024 | 6.39% | 2.69% | 3.86% | 7.15% | 3.83% |
| Q1 2025 | 6.33% | 2.53% | 3.91% | 7.06% | 3.83% |
| Q2 2025 | 6.60% | 2.55% | 4.20% | 7.37% | 3.84% |
| Q3 2025 | 6.66% | 2.69% | 4.11% | 7.41% | 3.84% |
| Q4 2025 | 6.48% | 2.60% | 4.04% | 7.43% | 3.91% |
| Q1 2026 | 6.29% | 2.40% | 3.99% | 7.16% | 3.95% |
| Q2 2026 | 6.41% | 2.34% | 4.21% | 7.17% | 4.09% |
Wray State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wray State Bank, freeSource: Call Report Schedules RI and RC-K, 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)