Side-by-side · Q2 2026 data
First Pioneer National Bank vs Wray State Bank
Metric by metric
| Measure | First Pioneer National Bank | Wray State Bank |
|---|---|---|
| TellerScore | 56 | 61 (stronger) |
| Capital cushion | 75 (stronger) | 49 |
| Loan quality | 7 | 50 (stronger) |
| Earnings | 63 | 75 (stronger) |
| Funding & liquidity | 80 (stronger) | 74 |
| Problem-loan coverage | 76 | 80 (stronger) |
| Peer percentile | 13th | 20th |
| Total assets | $243.4M | $312.0M |
| Deposits / shares | $205.5M | $277.8M |
| Capital ratio | 12.53% (stronger) | 9.92% |
| Problem loans | 2.79% | 1.50% (stronger) |
| Net charge-offs | 0.11% | 0.04% (stronger) |
| Return on assets | 1.08% | 1.37% (stronger) |
| Loans ÷ deposits | 62.8% (stronger) | 80.2% |
| Uninsured deposits | 30.8% | 20.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Wray State Bank has the higher TellerScore (61 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Pioneer National Bank leads on 2 and Wray State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wray, CO