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BDI
WS

Wray State Bank

Wray, ColoradoFDIC Cert #22447

STATEEstablished 19773 branches

Holding company: HOTC INVESTMENT CORegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$185M$154M
Q3 2021$181M$155M
Q4 2021$197M$174M
Q1 2022$196M$174M
Q2 2022$195M$173M
Q3 2022$195M$173M
Q4 2022$201M$176M
Q1 2023$203M$174M
Q2 2023$214M$187M
Q3 2023$226M$202M
Q4 2023$247M$221M
Q1 2024$251M$224M
Q2 2024$262M$235M
Q3 2024$260M$230M
Q4 2024$267M$238M
Q1 2025$264M$234M
Q2 2025$274M$244M
Q3 2025$286M$254M
Q4 2025$309M$276M
Q1 2026$304M$270M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$304M
+15.3%y/y
Percentile by value2nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$270M
+15.5%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$217M
+10.6%y/y
Percentile by value14th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$214M
+10.7%y/y
Percentile by value14th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$64.5M
+24.0%y/y
Percentile by value34th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$12.5M
+165.8%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$273M
+15.3%y/y
Percentile by value3rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$30.8M
+15.1%y/y
Peer standing11th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$3.08M
+18.3%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$2.85M
+18.3%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$233K
+18.9%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$90K
0.0%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$1.13M
+37.5%y/y
Peer standing22nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$878K
+45.6%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC