BlastPoint's Banking Scorecard
Wray State Bank
Wray, CO
3 branches across CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +14.1% year over year ($277.8M on the books).
- Delinquency rate 1.53%.
- Return on assets 1.37%.
- Efficiency ratio 53.97% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wray State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio 10.51% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.61% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.0M
+13.9% YoY
+2.6% QoQ
|
-$74.6M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$223.0M
+11.7% YoY
+4.3% QoQ
|
-$35.4M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$277.8M
+14.1% YoY
+2.8% QoQ
|
-$48.9M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.37%
+21.4% YoY
+19.2% QoQ
|
+0.04% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.09%
+0.5% YoY
+3.4% QoQ
|
+0.10% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
53.97%
-11.1% YoY
-10.7% QoQ
|
-10.51% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
1.53%
-70.1% YoY
+29.5% QoQ
|
+0.61% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
80.25%
-2.1% YoY
+1.5% QoQ
|
+2.30% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
17.61%
-9.4% YoY
+1.0% QoQ
|
-4.42% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.09%
-70.6% YoY
+31.6% QoQ
|
+0.42% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
9.92%
-0.7% YoY
+2.4% QoQ
|
-5.99% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.5% in tier |
| Non-Interest Income / Assets ? |
0.15%
+5.7% YoY
+92.4% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.6%
-1.8pp YoY +0.2pp QoQ |
-4.5pp | 22.1% | 23.5% | 22.2% | 34% |
| Brokered Deposits |
0.6%
-0.3pp YoY 0.0pp QoQ |
-7.3pp | 7.9% | 7.4% | 8.5% | 13% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.3%
-0.3pp YoY -0.3pp QoQ |
+1.7pp | 11.6% | 8.4% | 12.5% | 69% |
| CRE |
15.9%
+0.6pp YoY -0.4pp QoQ |
-23.7pp | 39.5% | 42.8% | 41.4% | 12% |
| 1-4 Family |
24.0%
-0.6pp YoY -0.9pp QoQ |
-8.6pp | 32.6% | 33.0% | 31.3% | 39% |
| Consumer |
6.4%
-0.8pp YoY +0.1pp QoQ |
+2.3pp | 4.1% | 3.9% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
9.9%
-0.1pp YoY +0.2pp QoQ |
-2.3pp | 12.2% | 12.5% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
+1 (+2.6%) YoY +3 (+8.3%) QoQ |
-20 | 58 | 107 | 482 | 40% |
| Assets per Employee ($) |
$8.0M
+11.0% YoY -5.3% QoQ |
+$481K | $7.5M | $7.8M | $8.8M | 68% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
-3.5pp YoY +0.4pp QoQ |
+0.4pp | 0.3% | 0.7% | 0.4% | 88% |
| Nonaccrual |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 66% |
| Allowance Coverage |
0.98x
+228.3% YoY -24.0% QoQ |
-23.17x | 24.15x | 12.16x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+2.3pp YoY +2.2pp QoQ |
+1.5pp | 12.2% | 9.7% | 11.6% | 60% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 83% |
| Net Income ($, YTD) |
$2.1M
+39.6% YoY — QoQ |
-$449K | $2.6M | $5.4M | $40.4M | 54% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.