Side-by-side · Q2 2026 data
Wray State Bank vs FMS Bank
Metric by metric
| Measure | Wray State Bank | FMS Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 48 |
| Capital cushion | 49 (stronger) | 48 |
| Loan quality | 50 (stronger) | 43 |
| Earnings | 75 (stronger) | 28 |
| Funding & liquidity | 74 (stronger) | 65 |
| Problem-loan coverage | 80 (stronger) | 74 |
| Peer percentile | 20th | 6th |
| Total assets | $312.0M | $324.8M |
| Deposits / shares | $277.8M | $291.8M |
| Capital ratio | 9.92% (stronger) | 9.85% |
| Problem loans | 1.50% (stronger) | 1.71% |
| Net charge-offs | 0.04% (stronger) | 1.57% |
| Return on assets | 1.37% (stronger) | 0.20% |
| Loans ÷ deposits | 80.2% (stronger) | 88.7% |
| Uninsured deposits | 20.6% (stronger) | 21.5% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 5.6% |
Wray State Bank has the higher TellerScore (61 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Wray State Bank leads on 7 and FMS Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.