Wray State Bank is a bank based in Wray, Colorado, established in 1977, with $304 million in total assets across 3 branches. By Trust Grade it ranks 12th of 64 banks we track in Colorado. Its capital ratio of 10.1% is stronger than 50% of similarly sized banks, versus a Colorado median of 10.8%. It was profitable over the most recent period, with a 1.15% return on assets. No consumer complaints against Wray State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Wray State Bank compares to Colorado peers
How we graded Wray State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.1% capital ratio)
- Strongly profitable (ROA 1.15%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Wray State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 300 Clay St, Wray, CO 80758
- 1130 Main St, Windsor, CO 80550
- 731 Edison St, Brush, CO 80723
Are deposits at Wray State Bank insured?
Yes. Wray State Bank is an FDIC-insured bank (FDIC certificate #22447). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Wray State Bank: frequently asked questions
Is Wray State Bank a good bank?
Wray State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.1% capital ratio); Strongly profitable (ROA 1.15%).
Is Wray State Bank FDIC-insured?
Yes. Wray State Bank is a FDIC-insured bank (FDIC certificate #22447). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Wray State Bank?
Wray State Bank holds $304 million in total assets, ranking 12th of 64 banks we track in Colorado. It operates 3 branches.
Does Wray State Bank have CFPB complaints?
No CFPB complaints against Wray State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
