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Waypoint Bank
Cozad, NE · FDIC Certificate #5394 · Chartered 01/0
Total assets
$391.49M
Total deposits
$324.57M
Total equity
$44.27M
Net loans
$273.83M
Branches (offices)
8
Net income (YTD)
$3.57M
Rank: #2,093 of 4,213 U.S. banks by assets · #50 of 138 in Nebraska. Assets changed 2.9% and deposits 10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.77% |
| Return on equity | 16.49% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 10.87% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 84.4% |
| Real estate loans (share of loans) | 75.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $207.47M | 75.8% | |
| Commercial & industrial | $24.54M | 9.0% | |
| Consumer / individual | $5.00M | 1.8% | |
| Construction & development | $42.74M | 15.6% | |
| Agricultural | $41.52M | 15.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $364.73M | $323.63M | $3.42M | $29.40M |
| Jun 2023 | $374.69M | $295.36M | $2.18M | $29.25M |
| Jun 2024 | $377.15M | $284.88M | $2.09M | $33.80M |
| Jun 2025 | $380.30M | $293.02M | $2.97M | $39.89M |
| Jun 2026 | $391.49M | $324.57M | $3.57M | $44.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $242.20M | 6 |
| Colorado | $82.36M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $324.57M.
Similar-sized banks
Great Plains State Bank ($392.02M) · Farmers State Bank ($391.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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