Branch Network
Waypoint Bank Locations & Branches Cozad, Nebraska
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Waypoint Bank operates 8 branches from its headquarters in Cozad, NE, .
Waypoint Bank branch network
Its 8 branches span 2 states and 8 cities. The most are in NEBRASKA (6) and COLORADO (2). NEBRASKA holds 74.6% of its branch deposits. Its largest office by deposits is its main office in Cozad, NE, with $102.1M (31.4% of its branch deposits). On June 30, 2025 it had 7 branches, 1 fewer than in 2026.
Waypoint Bank at a glance
Its CET1 capital ratio was 12.86% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $391.5M
- CET1 ratio, Q2 2026
- 12.86%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1883
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Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Cozad, NE (1 branch) | 1 of 3 | 46.2% | $102.1M |
| State: NE (6 branches) | 70 of 160 | 0.3% | $242.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Nebraska.
Share by county and metro area
Waypoint Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Dawson, NE (1 branch) | 5 of 11 | 6.7% | $102.1M | $1.51B |
| El Paso, CO (1 branch) | 29 of 40 | 0.6% | $60.4M | $10.34B |
| Furnas, NE (1 branch) | 3 of 5 | 17.2% | $45.2M | $263.1M |
| Clay, NE (2 branches) | 2 of 3 | 17.1% | $41.6M | $242.7M |
| Frontier, NE (1 branch) | 3 of 4 | 24.6% | $27.9M | $113.5M |
| Chase, NE (1 branch) | 4 of 4 | 7.4% | $25.5M | $344.6M |
| Larimer, CO (1 branch) | 26 of 28 | 0.2% | $22.0M | $10.38B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lexington, NE (1 branch) | 5 of 11 | 6.5% | $102.1M | $1.58B |
| Colorado Springs, CO (1 branch) | 30 of 41 | 0.6% | $60.4M | $10.65B |
| Fort Collins, CO (1 branch) | 26 of 28 | 0.2% | $22.0M | $10.38B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5394) · FFIEC NIC profile (RSSD 244158)