Bank · FDIC insured
Wray State Bank
A $312M bank headquartered in Wray, CO, with 3 branches in Colorado. Best rates: CDs 5.20% and savings 0.80% APY.
Wray State Bank Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#4 of 23 in Greeley, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wray State Bank
- Headquarters
- 300 Clay St, Wray, CO 80758
- FDIC certificate
- 22447 ↗
Branches
3 branches in Colorado
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Colorado
3 branches
Wray area · 1
- Wray State BankMain office300 Clay St, Wray, CO 80758Directions
Fort Morgan area · 1
- Brush Branch731 Edison St, Brush, CO 80723Directions
Greeley area · 1
- Windsor Branch1130 Main St, Windsor, CO 80550Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.92% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.50% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio9.92%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.50%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wray State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.