Waypoint Bank
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Data as of · sourced from FFIEC call reports. How we update
Waypoint Bank is an FDIC-insured commercial bank headquartered in Cozad, NE, established in 1883 (FDIC certificate 5394), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $391.5M, up 2.9% from Q2 2025, the 50th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5394
- Headquarters
- Cozad, NE
- Established
- 1883
- Total assets, Q2 2026
- $391.5M
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 12.86%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 104902363
- Holding company
- MIDWEST BANCO CORPORATION
- Asset rank in state
- 50th of 138 in Nebraska
Waypoint Bank, based in Cozad, Nebraska, reported $391 million in assets at June 30, 2026, up 2.9% from a year earlier. It grew deposits 10.8% over the year, 2.7 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $1.88 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Its $39 million non-owner-occupied commercial real estate book is improving, with 4.18% past due or on nonaccrual, down from 5.75% a year earlier. Deposits are coming in faster than loans: over the year loans rose 5.8% and deposits rose 10.8%.
As of June 30, 2026, Waypoint Bank reported a CET1 capital ratio of 12.86%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.60%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Waypoint Bank is the 50th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets fell 3.4% to $391.5M, loans rose 0.1% and deposits fell 2.6%. Owner-occupied commercial real estate loans made up 17.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 15.7%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities across 2 states; its Cozad office books 31% of its branch deposits. On its Q2 2026 call report, Waypoint Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 747 Meridian Ave, Cozad, NE 69130
- County
- Dawson
- Metro Area
- Lexington, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $324.6M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $400.5M
- Average total loans
- $280.0M
- Average interest-bearing deposits
- $258.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5394
- Fed RSSD
- 244158
- Website
- www.waypointbank.com →
- Parent Holding Company
- MIDWEST BANCO CORPORATION (RSSD 1053320)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Waypoint Bank's total assets ran between $367.4M (Q4 2024) and $411.3M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$391.5M total assets against $380.3M; $347.2M total liabilities against $340.4M.
$273.8M net loans and leases against $258.9M; $324.6M total deposits against $293.0M.
$81.6M securities against $91.0M; $12.0M cash and balances due against $8.6M.
$5.2M total interest income against $4.8M; $1.3M total interest expense against $1.4M.
$3.9M net interest income against $3.3M.
$403K total noninterest income against $320K; $2.3M total noninterest expense against $2.0M.
$60K provision for credit losses against $0.
$1.9M net income against $1.6M.
1.88% return on assets against 1.70%; 4.14% net interest margin against 3.69%.
12.86% CET1 capital ratio against 13.35%; 10.87% tier 1 leverage ratio against 11.58%.
Inside the full Waypoint Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWaypoint Bank rankings
Its closest position to the top of a national ranking is 641 of 3,611, for ROA; its furthest is 1,453 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q3 2024) to 1.88% (Q2 2026) and its net interest margin ran from 3.12% (Q3 2024) to 4.14% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.86% | 1.88% | 0.59% | 3.60% | 4.14% |
| Q1 2026 | 12.32% | 1.67% | 0.61% | 3.86% | 3.98% |
| Q4 2025 | 12.16% | 1.64% | 0.63% | 4.00% | 3.97% |
| Q3 2025 | 13.32% | 1.64% | 0.74% | 4.39% | 3.78% |
| Q2 2025 | 13.35% | 1.70% | 0.78% | 4.78% | 3.69% |
| Q1 2025 | 13.32% | 1.49% | 0.81% | 4.93% | 3.50% |
| Q4 2024 | 13.78% | 1.27% | 0.87% | 5.28% | 3.16% |
| Q3 2024 | 13.47% | 1.26% | 0.88% | 5.38% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Waypoint Bank (main office) | Cozad , NE | 69130 | $102.1M |
| Mountain View Branch | Colorado Springs , CO | 80903 | $60.4M |
| Cambridge Br | Cambridge , NE | 69022 | $45.2M |
| Farmers State BankBranch | Eustis , NE | 69028 | $27.9M |
| First State Bank Branch | Imperial , NE | 69033 | $25.5M |
| Sutton Branch | Sutton , NE | 68979 | $24.2M |
| Fort Collings Branch | Fort Collins , CO | 80525 | $22.0M |
| Clay Center Branch | Clay Center , NE | 68933 | $17.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2013 | Structure Change | Acquired The First National Bank of Cambridge Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 27, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2007 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 20, 2004 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 19, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 6, 1984 | Structure Change | Acquired Farmers Cooperative Credit Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NE, rank 70 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $67K approved, $67K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Waypoint Bank
What are Waypoint Bank's total assets?
As of the Q2 2026 filing, Waypoint Bank reported total assets of $391.5 million in its FFIEC call report.
Where is Waypoint Bank headquartered?
It is headquartered in Cozad, NE, United States.
When was Waypoint Bank founded?
It was established in 1883, per the FDIC institution directory.
Is Waypoint Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Waypoint Bank?
Waypoint Bank's primary federal regulator is the FDIC.
What is Waypoint Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Waypoint Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Waypoint Bank's Texas Ratio?
Its Texas Ratio is 3.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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