# WRAY STATE BANK
WRAY, CO · FDIC certificate 22447 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $312.0M | |
| Deposits | $277.8M | |
| Loans and leases | $226.3M | |
| Total equity | $31.4M | |
| Loans / deposits | 80.25% (p46 of band) | 82.04% |
| Liquid assets / assets | 24.01% (p48 of band) | |
| Uninsured deposits / deposits | 20.56% (p31 of band) | 25.97% |
| Brokered deposits | 0.52% | |
| Wholesale funding | 0.94% (p34 of band) | |
| FHLB advances / assets | 0.42% | |
| Tier 1 leverage | 9.92% (p32 of band) | 10.81% |
| Unrealized securities loss / equity | -6.39% (p56 of band) | -8.10% |
| AOCI / equity | -2.02% (p8 of band) | |
| ROA (annualized) | 1.37% (p55 of band) | 1.28% |
| Net interest margin | 4.09% (p60 of band) | 3.91% |
| Efficiency ratio | 53.97% (p27 of band) | |
| Noncurrent loans | 1.50% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 98.38% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 38.87% (p46 of band) | |
| Auto loans | $9.9M (4.38% of loans; DQ 0.85%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | reserve under noncurrent | capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2018-12 | 1 |  | noncurrent p90, charge-offs p90 |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | charge-offs p90, deposits shrinking |  |
| 2019-12 | 2 |  | charge-offs p90 |
| 2020-03 | 1 |  | deposits shrinking |
| 2020-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | charge-offs p90 |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 3 | charge-offs p90 | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 0 |  | capital falling, reserve under noncurrent |
| 2024-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-22 [Terri Lea Bliven Obituary Sep 22, 2025 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5melp2NFk0YU9BZlVvcV9aRFEtblhnY252SGZqdFJnT1VWN01zSzN2clI3bTJxM1JramxScENZWUdBTW5RZlFlRklmTmJIeF9zNklSdjQzTkVaYmVWQ0VUWWdJQ0liblYtU1B6akJsRQ?oc=5) · Jones Family Funeral Home
- 2026-02-08 [Jennifer Brooke Gelvin Obituary Sep 29, 2021 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE5ORDZ5ZEtUcDlfQ0Fsa21hVGJ5Z3BxbGVRWHlrblR4bmNXT2ZSU0dpXzZNVVRJMkd3eWRxa1htc1g1U0tSbFVhOElZcTFlSWxMUS1iamtUVXRXZ3hCQWZJVnpCQkZXTHJGenV0T2FQalRhR1E?oc=5) · Jones Family Funeral Home
- 2021-06-12 [Clint Earl Wisdom Obituary (2021) - Wray, CO - Jones Family Funeral Home - Wray - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1qVG5ZcHltM0lJNEZ4WVZvbkczczBoajdKOTFMNm5DSW5mNGFUbEU2azBZUFVzNEJmY29NSjRyc2J1Z194TEtVdjVOdVRFNE9ZRTc2cnAzc0h0R25nQzAyM01JZDJOdk44cFMtdktMQ05CU29wZmRnT2ZuOXRNeDA?oc=5) · legacy.com
- 2023-03-18 [Jonathan Luna - longmontleader.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5BNlJnVFNzYzRKRjJmMnliNTZwRFdMWk5mVEJrLW9ZWUpCMDBmQnlNUE9KY1dCQXdVbl9wdTBOUk1fY0ZJV2VQaFh2R2d0U2dETVlmdnRCTUN2cUtCalVtT3E0aEZOMFVRX0Z2SDRmcE4?oc=5) · longmontleader.com
- 2019-03-23 [Bryan Alexander Juranek Obituary Mar 23, 2019 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTFBMMjRJSklPMElkcWZDbTBNOGdURVRyUnZuLW81b2dsdXhfbFpSNGNVM1BsOGF5eDZyRVJMdXZrcGcydWVqaXdyOFBac21XQUkwR255M2MtQVV2aUhOUU9ZaFFiek9weFBDWDdJMkgyT2c?oc=5) · Jones Family Funeral Home
- 2023-09-14 [Tyler William Meyer Obituary (2023) - Wray, CO - Jones Family Funeral Home - Wray - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFAzMnp5RHJyS2dCZ05tSTExVW5KalR0aThkVEpBS2FybjFmVEFmUmlaRlJYRGk4STJVN3ZXWU5rYXRadm9vRncxMXRsQk80REZROExtUEVWR212NjV2M1JnREdncWNxMW8wX2NWV1p6NjBiZFNlSVZmTWJSel9QTVk?oc=5) · legacy.com
- 2019-02-08 [James "Jim" Dean Wonderly Obituary Feb 8, 2019 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTE5LZGlfSUVVUEE4MzI0VWZNMVlLRDBIWGRPc2ltai1uWm9sTkVxSWxiQlNHaTJJemZPdVZIVjNtaW1PU0hfczlDZWpia1h2UEF0cmkyNFh0MXlzSHRaYUtfWGNQRUVpR3RHbklJaGU1SkdfLXVNSjZBNw?oc=5) · Jones Family Funeral Home
- 2019-04-24 [Todd Randall Brophy Obituary Apr 24, 2019 - Jones Family Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9idmViUFJoaVZ1ZG5MV0NlUWhWOXFraFZzSnhQVGJPT2hjdklzMHlOc3FjWTJQaTVvMXM1NWlXcjkwQ0w3aVVtblN6ZHB5dmJNRFlTc3JIYkZ4MWNsUzdVc2ROZWlxYUVQRU9SWTBn?oc=5) · Jones Family Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22447 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "22447", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide