Wray State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $304M | $270M | $214M | $31M | $878K | 1.15% | 11.53% | 3.95% | 1.16% |
| Q4 2025 | $309M | $276M | $209M | $30M | $1M | 1.25% | 12.59% | 4.05% | 0.96% |
| Q3 2025 | $286M | $254M | $203M | $29M | $969K | 1.21% | 12.15% | 4.05% | 1.57% |
| Q2 2025 | $274M | $244M | $200M | $27M | $906K | 1.13% | 11.36% | 4.07% | 5.02% |
| Q1 2025 | $264M | $234M | $193M | $27M | $603K | 0.91% | 9.22% | 3.91% | 2.65% |
| Q4 2024 | $267M | $238M | $188M | $26M | $471K | 1.12% | 11.54% | 3.95% | 2.93% |
| Q3 2024 | $260M | $230M | $186M | $27M | $862K | 1.26% | 12.95% | 3.96% | 1.35% |
| Q2 2024 | $262M | $235M | $185M | $25M | $675K | 1.22% | 12.78% | 3.95% | 1.59% |
| Q1 2024 | $251M | $224M | $178M | $24M | $869K | 1.40% | 14.58% | 4.20% | 0.81% |
| Q4 2023 | $247M | $221M | $172M | $24M | $542K | 1.29% | 12.81% | 4.13% | 2.13% |
| Q3 2023 | $226M | $202M | $170M | $22M | $578K | 1.44% | 14.05% | 4.35% | 2.08% |
| Q2 2023 | $214M | $187M | $165M | $22M | $640K | 1.65% | 15.84% | 4.69% | 2.20% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.