Side-by-side · Q2 2026 data
Wray State Bank vs Equitable Savings and Loan Association
Metric by metric
| Measure | Wray State Bank | Equitable Savings and Loan Association |
|---|---|---|
| TellerScore | 61 | 75 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 50 | 93 (stronger) |
| Earnings | 75 (stronger) | 24 |
| Funding & liquidity | 74 (stronger) | 51 |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 20th | 61st |
| Total assets | $312.0M | $168.3M |
| Deposits / shares | $277.8M | $128.2M |
| Capital ratio | 9.92% | 15.69% (stronger) |
| Problem loans | 1.50% | 0.22% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 0.11% |
| Loans ÷ deposits | 80.2% (stronger) | 109.2% |
| Uninsured deposits | 20.6% | 9.7% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 20.9% |
Equitable Savings and Loan Association has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Wray State Bank leads on 2 and Equitable Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Brush, CO
- Wray, CO