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Overview / Commentary
300 Clay Street
Wray, CO 80758

Wray State Bank is headquartered in Wray and is the 67th largest bank in the state of Colorado. It is also the 4,558th largest bank in the nation. It was established in 1977 and as of March of 2014, it had grown to 22 employees at 2 locations. Wray State Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Wray State Bank had $953,000 in non-current loans and owned real-estate with $12.36 million in equity and loan loss allowances on hand to cover it. This gives Wray State Bank a Texas Ratio of 7.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Wray State Bank experienced no significant changes from 4.73% as of March 31, 2013 to 7.71% as of March 31, 2014, resulting in a negative change of 63.19%. This indicates that the balance sheet and financial strength for Wray State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Wray State Bank has increased its total deposits by $5.84 million, resulting in 6.56% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Wray State Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Wray State Bank has $106.93 million in assets with $12.36 million in equity, resulting in a capitalization level of 11.56%, which is excellent.

Institution Statistics

FDIC Certificate #22447
Year Established1977
Primary RegulatorFDIC
Assets and Liabilities
Assets$106.93 million
Loans$64.15 million
Deposits$94.82 million
Equity Capital$10.98 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$953,000
Real Estate Owned$0
Historic Data - March 2013
Assets$102.57 million
Equity Capital$10.83 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$953,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.53%
Return on Assets0.37%
Return on Equity3.65%
Interest Income$960,000

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Wray State Bank Locations
Windsor Branch1130 Main StreetWindsor, CO 80550
Wray State Bank300 Clay StreetWray, CO 80758