WAYPOINT BANK

COZAD, NE | Small | Est. Jan. 1, 1883, midnight | FDIC #5394 | RSSD #244158 | FDIC
Latest Report: 2025-12-31

WAYPOINT BANK is asn small FDIC-insured commercial bank headquartered in COZAD, NE, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $411M and total deposits of $341M. Profitability stands at 1.65% ROA and 15.59% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 12.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 3.59%. FDIC Certificate #5394.

Assets

$411M

Deposits

$341M

Loans

$283M

Equity

$43M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 15.59%
Net Interest Margin (NIM) 4.10%
Yield on Assets 5.79%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.59%
NPA Ratio 0.43%
ACL / Loans 2.31%

Capital & Liquidity

CET1 Ratio 12.16%
Tier 1 Capital 12.16%
Total Capital Ratio 13.41%
Leverage Ratio 10.58%
Loan-to-Deposit 82.98%

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