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Wray State Bank
✓ FDIC-insured · Active FDIC Certificate #22447
Wray State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Wray, Colorado, established in 1977. As of the 06/30/2026 FDIC call report, it reported $312M in total assets and $278M in deposits. FDIC location data lists 3 offices in Colorado. The FDIC classifies it as a community bank. It is owned by the holding company HOTC INVESTMENT CO (Wray, CO).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 3 of Wray State Bank's FDIC-listed offices are in Colorado. Browse banks in Wray for other local options.
Branch locations
| Wray State Bank Wray State Bank · Full Service - Brick And Mortar | 300 Clay St Wray, CO 80758 Map ↗ |
| Wray State Bank Windsor Branch · Full Service - Brick And Mortar | 1130 Main St Windsor, CO 80550 Map ↗ |
| Wray State Bank Brush Branch · Full Service - Brick And Mortar | 731 Edison St Brush, CO 80723 Map ↗ |
Holding company: HOTC INVESTMENT CO
The FDIC lists HOTC INVESTMENT CO, based in Wray, CO, as the top holding company for Wray State Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Colorado
Active FDIC-insured banks headquartered in Colorado with total assets closest to Wray State Bank's $312M. See all banks in Colorado.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Native American Bank, National Association | Denver | $362M | 3 |
| Alamosa State Bank | Alamosa | $340M | 1 |
| The Colorado Bank and Trust Company of La Junta | La Junta | $330M | 5 |
| FMS Bank | Fort Morgan | $325M | 2 |
| Redstone Bank | Centennial | $298M | 3 |
| Farmers Bank | Ault | $297M | 2 |
| First American State Bank | Greenwood Village | $277M | 1 |
| North Valley Bank | Thornton | $269M | 2 |
Wray State Bank: common questions
Is Wray State Bank FDIC-insured?
Yes. Wray State Bank is an active FDIC-insured institution, FDIC Certificate #22447. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Wray State Bank headquartered?
Wray State Bank is headquartered at 300 Clay St, Wray, CO 80758, according to FDIC records.
How many branches does Wray State Bank have?
FDIC location data lists 3 offices for Wray State Bank, all in Colorado.
Who owns Wray State Bank?
The FDIC lists HOTC INVESTMENT CO of Wray, CO as the top holding company for Wray State Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.