BlastPoint's Banking Scorecard

Wray State Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 22447

Wray, CO

3 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Wray State Bank has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 4.83% below tier average

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average
- Delinquency Rate 0.29% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$304.0M +15.3% YoY -1.6% QoQ	-$82.1M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$213.8M +10.7% YoY +2.2% QoQ	-$41.9M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$270.3M +15.5% YoY -2.1% QoQ	-$57.6M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	1.15% +26.1% YoY -8.3% QoQ	-0.12%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	3.95% +1.2% YoY -2.3% QoQ	+0.02%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	60.46% -7.0% YoY +5.6% QoQ	-4.83%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	1.18% -56.2% YoY +20.8% QoQ	+0.29%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	79.08% -4.2% YoY +4.4% QoQ	+2.44%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	17.44% -10.7% YoY -13.8% QoQ	-4.58%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.83% -58.0% YoY +25.4% QoQ	+0.19%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	9.69% -2.1% YoY +2.3% QoQ	-6.14%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Bottom 6.3% in tier
Non-Interest Income / Assets ?	0.08% +3.1% YoY -70.3% QoQ	-0.20%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	37%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2497

Tier 1 Capital Ratio

capital

Value: 9.69%

Peer Median: 15.83%

#2497 of 2664 Bottom 6.3% in $100M-$1B

2006

Delinquency Rate

credit_quality

Value: 1.18%

Peer Median: 0.89%

#2006 of 2654 Bottom 24.5% in $100M-$1B

2005

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.64%

#2005 of 2664 Bottom 24.8% in $100M-$1B