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. 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. Windsor State Bank, a branch of Wray State Bank, is built on small town values and genuine personal service. We provide exceptional products and services to our customers and community. • Member FDIC | Equal Housing Lender