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Wray State Bank

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Wray State Bank Rates & Review March 2026

Q: How many branches does Wray State Bank operate?

Wray State Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Wray State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wray State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare Wray State Bank rates to other rates in our database, including 12-month CD rates currently at 3.55%, 6-month CD rates at 3.43% and 3-month CD rates at 0.30%. Savings rates are at 0.15% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Wray State Bank rates. MonitorBankRates evaluates the financial stability of Wray State Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.18%. Rates were last updated on 03/28/2026.

Wray State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Wray State Bank? Share your experience about Wray State Bank by leaving a review below, or read customer reviews before you decide to use Wray State Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

16.18%

Good Higher than avg

Wray State Bank

300 Clay St
Wray, CO 80758

https://www.wraystatebank.com

Current Rate Availability

We do not have Wray State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Wray State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Wray State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Wray State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Wray State Bank

Bank Holding Company HOTC INVESTMENT CO

Address 300 Clay St, Wray, CO 80758 · Yuma

Website https://www.wraystatebank.com

FDIC Certificate # 22447

Established 04/11/1977

FDIC Insurance Date 04/11/1977

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

16.18%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4402%

Return on Equity (ROE) 14.0500%

Non-Performing Loans (NPL) 1.16%

Total Assets $308,913,000

Total Deposits $276,165,000

Equity Capital $30,162,000

Net Income $3,498,000

Headquarters Wray

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Wray State Bank

Is Wray State Bank a safe place to deposit money?

Yes, Wray State Bank is considered a safe financial institution. With a Texas Ratio of 16.176337467186%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Wray State Bank operate?

Wray State Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Wray State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wray State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Wray State Bank offer online and mobile banking?

Most modern institutions like Wray State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wraystatebank.com.