Wray State Bank

Wray State Bank is a community bank headquartered in Wray, Colorado, with branches serving northeastern and northern Colorado, including Windsor and Brush. Founded roughly 45 years ago, it focuses on agricultural and small-business banking for the region it calls home. For business borrowers, it offers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — a practical range for local operators and farm-related enterprises. Qualification details such as minimum credit score, revenue thresholds, and financing amounts are not publicly disclosed, so borrowers will need to contact the bank directly to understand eligibility. One website testimonial highlights friendly staff and a smooth loan process, though broader third-party review data is limited. Wray State Bank appears well suited for established businesses and agricultural operators in northeastern Colorado who prefer a local banking relationship over an online lender.