Wray State Bank is an FDIC insured institution headquartered at
300 Clay St, Wray, CO 80758.
It was founded in
1977 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 22447
Date Established
1977
Assets
$ 308.91 million
Loans
$ 209.26 million
Deposits
$ 276.17 million
Capital
$ 30.16 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 29.97 million
Interest-bearing balances
$ 25.60 million
Total securities
$ 55.52 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 209.26 million
Loan loss allowance
$ 3.17 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 2.58 million
All other assets
$ 6.39 million
Total Assets
$ 278.75 million
LIABILITIES
Total deposits
$ 276.17 million
Interest-bearing deposits
$ 220.26 million
Deposits held in domestic offices
$ 276.17 million
% insured (estimated)"
78.08%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 1.30 million
Subordinated debt
N.A.
All other liabilities
$ 0.63 millionn
Total Liabilities
$ 278.75 million
Shareholders’ Equity
$ 30.16 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 16.99 million
Total Interest Expense
$ 6.42 million
Net interest income
$ 10.57 million
Provision for loan and lease losses
$ 0.36 million
Total non interest income
$ 0.80 million
Total non interest expense
$ 6.51 million
Pre-tax Net Operating Income
$ 1.16 million
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Branches
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