Total Assets
$309M
Total balance-sheet footings
FDIC Cert #22447 · Wray, Colorado · Est. 1977
Wray State Bank - FDIC Bank Health Profile
A community-scale look at Wray State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $309M
- Total assets
- B
- Health grade · Good
- 1.25%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
Wray State Bank earns a PlainBankData health grade of B (66/100), with 9.47% Tier 1 capital, profitable at 1.25% ROA, efficient (57% cost ratio).
- #2,446
- largest of 4,313 FDIC banks by assets
- 43rd
- percentile by asset size, nationally
- 9.47%
- Tier 1 ratio - below the 10% well-capitalized line
- 60th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Wray State Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Wray State Bank's composite health score
Tier 1 Capital Ratio (9.47%) 18/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (6.13%) 16/20
Efficiency Ratio (57.24%) 12/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$276M
Customer-funded liabilities
Net Loans
$209M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Wray State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wray State Bank's score of 66/100 falls in the highlighted band.
Wray State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Wray State Bank's $309M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.47% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.47%
Texas Ratio
6.13%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.25%
Return on Equity (ROE)
12.59%
Efficiency Ratio
57.24%
What the numbers say about Wray State Bank
Wray State Bank is an FDIC-insured institution (Certificate #22447) headquartered in Wray, Colorado, established in 1977. It holds $309M in total assets - 2,446th of 4,313 FDIC-insured banks, $276M in customer deposits, and $209M in net loans. On safety, its Tier 1 capital ratio of 9.47% is below the 10% well-capitalized threshold, and its Texas Ratio of 6.13% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Colorado, Wray State Bank ranks 35th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$17M
Interest Income
$798K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Wray State Bank reports a Texas Ratio of 6.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wray State Bank (FDIC Cert #22447) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is Wray State Bank's health grade?▼
Wray State Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Wray State Bank?▼
Wray State Bank holds $309M in total assets and $276M in deposits, ranking 2,446th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wray, Colorado.
Is my money safe at Wray State Bank?▼
Yes, deposits at Wray State Bank (Certificate #22447) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Wray State Bank's Tier 1 Capital Ratio?▼
Wray State Bank has a Tier 1 Capital Ratio of 9.47%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Wray State Bank?▼
Wray State Bank has a Texas Ratio of 6.13%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Wray State Bank?▼
Wray State Bank has an Efficiency Ratio of 57.24%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Wray State Bank's profile as a depositor or analyst.
- Wray State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Wray State Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.