About Us

Bank with the people you know.

We believe that building long-lasting relationships with our customers is the most important part of community banking.

Our Mission

Wray State Bank, Windsor State Bank, and Brush State Bank are community banks dedicated to providing exceptional financial products and services to its local communities and customers while meeting the goals of its stockholders and creating a rewarding work place for its employees.

The History of WSB & BSB

Nestled in the bluffs of Northeastern Colorado just 15 miles west of the Kansas/Nebraska border is the small town of Wray, Colorado. It is here that Wray State Bank was established in 1977. The vision of Wray State Bank’s founders was to serve the local community and it remains that today.

Over the years, Wray State Bank saw significant growth and in May 2006, the bank moved from its original location in the shopping center to its new location on the corner of Clay Street and Highway 34.

HOTC Investment Co which stands for Heart of the Community was formed in 2008 and became the bank’s holding company. HOTC and its subsidiaries strive to deliver products and services in a highly professional, friendly and honest manner and are committed to safe and sound banking practices. HOTC’s vision of giving back to the communities it serves fits perfectly with Wray State Bank’s history of loaning money within the community to keep the local economy thriving.

In 2011, the town of Windsor, Colorado became the home of Wray State Bank’s first branch known as Windsor State Bank. Windsor’s small town feel made it an ideal location to carry out HOTC’s philosophy.

Serving the surrounding communities in Northeastern Colorado led to the opportunity to open a second branch known as Brush State Bank in February 2015.  The Brush location is conveniently located in the Livestock Exchange Building on Highway 34.  Continuing the bank’s tradition of serving farmers, ranchers, and businesses allows HOTC’s vision to provide additional services to those located in the marketplace.

Today, Wray State Bank and its branches, Windsor State Bank and Brush State Bank, take pride in providing exceptional customer service and building trust with our customers. We value ongoing relationships, not just one-time transactions. Whether it’s personal or business needs, our customers and their needs come first. We look forward to working with you!


Meet our Leaders

Pete Wilson, CEO, Wray State Bank

Pete Wilson


Wray State Bank

Terri Bliven, SVP, Cashier, Wray State Bank

Terri Bliven

SVP, Cashier

Wray State Bank

Starla Allen, SVP, Wray State Bank

Starla Allen


Wray State Bank

Jeff Wingfield, VP, Lender, Wray State Bank

Jeff Wingfield

VP, Lender
Wray State Bank
NMLS# 1989567
Paul Campfield, VP, Lender, Wray State Bank

Paul Campfield

VP, Lender

Wray State Bank
NMLS# 1649079

Amber Hardwick, VP, Lender, Wray State Bank

Amber Hardwick

VP, Lender

Wray State Bank

Alexandria Buchanan, Assistant Cashier, Wray State Bank

Alexandria Buchanan

Assistant Cashier

Wray State Bank

Darin Lanckriet

Branch President, Lender

Windsor State Bank
NMLS# 1264288

Kristen Graff, Branch VP of Operations, Windsor State Bank

Kristen Graff

Branch VP of Operations

Windsor State Bank
NMLS# 623566

Rose Anderson, Branch VP of Operations, Brush State Bank

Rose Anderson

Branch VP of Operations

Brush State Bank

Craig Lambley, Branch President, Lender, Brush State Bank

Craig Lambley

Branch President, Lender

Brush State Bank

Wayne Dreher, VP, Lender, Brush State Bank

Wayne Dreher

VP, Lender

Brush State Bank

Kortni Blake

Loan Officer

Brush State Bank

Board of Directors

Pete Wilson

Curt Soehner

Javan Jones

Micheal Fecht

Leslie Gelvin

Brian Neubauer

Contact Us

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