| Weiss Ratings |
Wray State Bank
Wray, CO |
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| Rating | ||||
| Asset Quality Index | 4.30 | |||
| Capitalization Index | 8.40 | |||
| Liquidity Index | 1.40 | |||
| Profitability Index | 6.60 | |||
| Stability Index | 6.90 | |||
| 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 | 13.93% | |||
| 5-Year Asset Growth | 14.37% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.62% | |||
| Non-Performing Loans to Capital | 10.34% | |||
| Non-Performing Loans to Loans | 0.86% | |||
| Balance Sheet |
Wray State Bank
Wray, CO |
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| Total Assets | 311.98M | |||
| Total Deposits | 277.84M | |||
| Capital and Reserves |
Wray State Bank
Wray, CO |
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| Capital | 31.44M | |||
| Leverage Ratio | 9.92 | |||
| Loan Loss Reserves to Loans | 1.48% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Wray State Bank
Wray, CO |
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| Hot Money Ratio | 31.14% | |||
| Liquidity Ratio | 13.84% | |||
| Profitability |
Wray State Bank
Wray, CO |
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| 5-Year Return on Average Assets | 1.19% | |||
| Net Income | 2.11M | |||
| Net Interest Spread | 4.10% | |||
| Operating Profit to Average Assets | 1.78% | |||
| Overhead Efficiency Ratio | 53.97% | |||
| Return on Assets | 1.37% | |||
| Return on Equity | 13.68% | |||