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 Wray State Bank
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Wray State Bank
| RSSD ID 541754 | CERTIFICATE 22447 | ABA NUMBER 102102932 |
| 300 Clay St |
Quarter Ended : |
2026-06-30 |
| Wray, Colorado, 80758 |
Updated : |
2026-07-28 |
| www.wraystatebank.com |
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| Institution Profile |
| Year Opened : |
1977 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
3 |
Number of Employees : |
39 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 311,982 |
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Total Interest Income | 9,211 |
| Total Liabilities | 280,539 |
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Total NonInterest Income | 460 |
| Total Bank Equity Capital | 31,443 |
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Total Interest Expense | 3,279 |
| Total Deposits | 277,841 |
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Total NonInterest Expense | 3,450 |
| Net Loans & Leases | 222,959 |
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Net Income | 2,106 |
| Loan Loss Allowance | 3,347 |
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Net Charge Offs | 45 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 223,345 |
| Total assets for the leverage ratio | 306,277 |
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Loans secured by real estate: | 117,223 |
| Tier 1 Leverage Ratio | 9.92 |
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Commercial and industrial loans | 33,874 |
| Off Balance Sheet Exposures (%) | 11.33 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 15,035 |
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:· Wray State Bank
