Wray State Bank (FDIC #22447): Bank Stress & Real-Estate Credit Exposure
Wray State Bank (FDIC Cert #22447): bank stress 63/100, elevated, STABLE over 7 days; parent HOTC INVESTMENT CO.
Wray State Bank (#22447) lends in 3 counties across 1 state; Wray State Bank (#22447) reaches 63 ZIP codes: Colorado 3 counties, 63 ZIPs.
Wray State Bank (#22447) largest markets: Weld County, CO (43 branches, 43 ZIPs) (#22447), Yuma County, CO (13 branches, 13 ZIPs) (#22447), Morgan County, CO (10 branches, 10 ZIPs) (#22447).
Wray State Bank (#22447) reports $312.0 million in total assets; Wray State Bank (#22447) equity $31.4 million (10.1% of Wray State Bank (#22447) assets); Wray State Bank (#22447) domestic deposits $277.8 million; Wray State Bank (#22447) net income $2.1 million; Wray State Bank (#22447) return on assets 1.37%; Wray State Bank (#22447) return on equity 13.68%; Wray State Bank (#22447) net interest income $5.9 million; Wray State Bank (#22447) call report June 30, 2026.
Wray State Bank (#22447) noncurrent real-estate loans: none reported; Wray State Bank (#22447) residential -0.01%; Wray State Bank (#22447) net charge-offs on real estate 1.38%; Wray State Bank (#22447) residential charge-offs 1.52%.
Wray State Bank (#22447) net interest margin 4.09% against an eight-quarter Wray State Bank (#22447) average of 4.00% (Wray State Bank (#22447) compression -0.08 points); Wray State Bank (#22447) non-residential real estate 152.1% of equity; Wray State Bank (#22447) rate-exposure score 40/100, Wray State Bank (#22447) fixed-rate trap 40/100; Wray State Bank (#22447) risk type credit driven; Wray State Bank (#22447) rate regime rates elevated, Wray State Bank (#22447) snapshot October 19, 2026.
Wray State Bank (#22447) stress score moved from 65.7 on June 22, 2026 to 62.9 on October 19, 2026; Wray State Bank (#22447) ranged 62.9 to 65.7 over 116 snapshots.
Wray State Bank (#22447) alerts: 3 counties; top Wray State Bank (#22447) alert scores: Brush County, CO 22 (low); Windsor County, CO 22 (low); Wray County, CO 22 (low).