Side-by-side · Q2 2026 data
Wray State Bank vs First American State Bank
Metric by metric
| Measure | Wray State Bank | First American State Bank |
|---|---|---|
| TellerScore | 61 | 62 (stronger) |
| Capital cushion | 49 (stronger) | 47 |
| Loan quality | 50 | 92 (stronger) |
| Earnings | 75 (stronger) | 38 |
| Funding & liquidity | 74 (stronger) | 53 |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 20th | 22nd |
| Total assets | $312.0M | $276.9M |
| Deposits / shares | $277.8M | $207.1M |
| Capital ratio | 9.92% (stronger) | 9.67% |
| Problem loans | 1.50% | 0.24% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 0.44% |
| Loans ÷ deposits | 80.2% (stronger) | 93.1% |
| Uninsured deposits | 20.6% (stronger) | 27.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First American State Bank has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Wray State Bank leads on 4 and First American State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.