| Metric | Wray State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +4.4% | +9.6 pts |
| Deposit growth (YoY) | +14.1% | +4.0% | +10.1 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.1 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $312.0M | $277.8M | $223.0M | $31.4M | $2.1M | 1.37% | 4.09% | 1.09% |
| Q1 2026 | $304.0M | $270.3M | $213.8M | $30.8M | $878K | 1.15% | 3.95% | 0.83% |
| Q4 2025 | $308.9M | $276.2M | $209.3M | $30.2M | $3.5M | 1.25% | 4.05% | 0.66% |
| Q3 2025 | $286.5M | $254.4M | $202.7M | $29.0M | $2.5M | 1.21% | 4.05% | 1.13% |
| Q2 2025 | $273.8M | $243.6M | $199.6M | $27.4M | $1.5M | 1.13% | 4.07% | 3.71% |
| Q1 2025 | $263.7M | $234.0M | $193.2M | $26.7M | $603K | 0.91% | 3.91% | 1.97% |
| Q4 2024 | $266.9M | $238.3M | $188.4M | $25.6M | $2.9M | 1.12% | 3.95% | 2.10% |
| Q3 2024 | $259.9M | $230.3M | $185.8M | $26.6M | $2.4M | 1.26% | 3.96% | 0.98% |
Loan mix (Q2 2026): real estate $123.6M · commercial $29.6M · consumer $14.3M · securities $63.2M
| Ratio | Wray State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 62.9% | 24th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Wray State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Wray State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Wray State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Wray State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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