| Weiss Ratings |
Wray State Bank
Wray, CO |
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| Rating | ||||
| Asset Quality Index | 1.90 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 1.60 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 6.20 | |||
| Company Info |
Wray State Bank
Wray, CO |
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| FDIC Number | 22447 | |||
| Phone Number | (970) 332-4111 | |||
| Website | wraystatebank.com | |||
| Asset Quality |
Wray State Bank
Wray, CO |
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| 1-Year Asset Growth | 8.26% | |||
| 5-Year Asset Growth | 13.51% | |||
| 5-Year Charge-Offs to Average Loans | 0.11% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 1.34% | |||
| Non-Performing Loans to Capital | 20.17% | |||
| Non-Performing Loans to Loans | 1.87% | |||
| Balance Sheet |
Wray State Bank
Wray, CO |
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| Total Assets | 266.91M | |||
| Total Deposits | 238.34M | |||
| Capital and Reserves |
Wray State Bank
Wray, CO |
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| Capital | 25.59M | |||
| Leverage Ratio | 9.60 | |||
| Loan Loss Reserves to Loans | 1.52% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Wray State Bank
Wray, CO |
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| Hot Money Ratio | 29.38% | |||
| Liquidity Ratio | 14.29% | |||
| Profitability |
Wray State Bank
Wray, CO |
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| 5-Year Return on Average Assets | 1.10% | |||
| Net Income | 2.88M | |||
| Net Interest Spread | 3.88% | |||
| Operating Profit to Average Assets | 1.44% | |||
| Overhead Efficiency Ratio | 60.23% | |||
| Return on Assets | 1.11% | |||
| Return on Equity | 11.49% | |||